中国养老金融现状及与国际经验对比

China is facing a rather complex issue of population aging, characterized by
aging before wealth, aging before preparation and insufficient care. To effectively address
the challenges of aging, China has actively explored the field of pension finance and made
certain progress, but there is still a gap compared to developed countries such as the United
States and Japan. Starting from three major dimensions---pension finance, elderly service
finance, and elderly industry finance---the paper discusses how to combine international
advanced experience with China’s actual situation to build a more comprehensive elderly
care finance system. Specifically, it is suggested that by optimizing the design of individual
pension accounts, expanding pension investment channels, enhancing elderly service
capabilities, and innovating financing tools for the elderly industry, the preservation and
appreciation of pension funds can be promoted. This approach aims to meet the growing
diverse needs of the elderly and to promote the high-quality development of the silver
economy. Furthermore, the article emphasizes the importance of establishing a nationwide
unified long-term care insurance system to further unleash the demand for care services,
reduce the financial burden on the elderly, and stimulate the development potential of
related industries.