| Aging population has become a worldwide issue.All are affected by aging without exception,although there are discrepancies in sequence of time and degree of influence.Along with our country entering aging society in an all-round way,providing for the aged becomes an issue that national people confront together and a common concern of all sectors of the society.As of December 2015,there were 222 million aged 60 years old or above,having accounted for 16.1% of the total population respectively.The trend of aging population in Beijing is more severe.The registered aging population aged 60 years old or above reached 3.133 million,accounting for 23.4% of the total population.In the face of increasingly aged population and weakening service functions of family supporting,it is important and necessary as well to construct social service system for the aged.Socialization and industrialization of service for the aged is the realistic choice to deal with aging population in our country,so the aging is not only a social issue,but also an economic issue.Positive study and exploration on how to deal with economic shocks and social turbulence arising from aging are conducted both at home and abroad,especially in countries with a severe aging issue,however,from the perspectives of measures adopted at home and abroad and existing results of study,what is paid more attention to is reform of social security system and the economic influence by aging,and financial influence of aging is mainly centralized on the influence to financial market and financial structure.The study on countermeasures in response to aging situation is also mainly concentrated on aspects of finance,tax,and land policy,ignoring the study on active financial intervention to deal with aging and solution to development difficulties of service for the aged;As to service demands for the aged,it is also mainly devoted to study on the aspects of tourism,culture,health care,housing,staying in nursing institutions for the aged and other demands,lacking of empirical study and policy proposals of financial service demands for the aged.In the process of constructing social endowment service system,how the financial service industry plays a role in economic center and capital financing.Promoting the sound and rapid development of social service system for the aged through financial innovation is an urgent demand for reality,and has a theoretical study value.In view of this,with sorting out the practice of social endowment service system construction in our country as the starting point and with analyzing the constitutive mode of social endowment service system in Beijing as the logical starting point,with constructing the financial support path of social endowment service system construction in Beijing as the purpose,this paper obtains the first hand information through questionnaire surveys and filed visits.Using Probit model to analyze the financial knowledge,pension investment,financial services can affect the diversity of demand for the elderly and financial services,financial services,financial support and the effects on the path selection,and further using PSM to test.Summarize and use the typical experience of USA,UK,and Japan for reference and on the basis of the basic theories of Life Cycle Hypothesis,concept of "active aging",theory of financial structure,theory of industrial finance,design the financial support path suitable for social endowment service system construction in Beijing and put forward countermeasures and suggestions.The main study results and conclusions of this paper can be summarized as the following five aspects:?.Financial demand and supply of social service system for the aged in Beijing do not match obviously without sufficient financial support.The financial support of social endowment service system in Beijing is just at the starting stage and the demand and supply of financial support are severely unmatched,lacking of financial products suitable for the aged,and service for the aged in its true sense,and the form of innovative products is greater than the content.?.The influence of demand desires for financial service by the aged in Beijing is diversified with prominent features.The results of empirical analysis show that,the factors directly influencing demand desires for financial service by the aged in Beijing mainly include: the location where the aged reside,education degree,carrier,the family's monthly income,alimony obtained from children,personal savings in total,liability situation,the evaluation of purchasing power of old-age care service,investment situation of financial products,etc.In addition,ideas of the aged,social customs and ways of old-age care,etc.,are also indirect factors influencing the demand for financial support.?.Finance of community services for the aged shall develop vigorously as important content of financial support to social endowment service system.The questionnaire indicates that,apart from security,the aged pay great attention to convenience.Community services for the aged not only conform to the tradition but also cater to the aged people's consumption habits;therefore,finance of community services for the aged should be developed vigorously.?.Over-the-counter equity trading market as key aspect of financial support of social endowment service system.There has been a successful case of financing on over-thecounter equity trading market,and this can be used as the key breakthrough to provide support.To reduce the pension service enterprises listed financing threshold,from the early growth of enterprise pension services will provide commensurate with the scale of development of financial services,and gradually encourage pension service enterprises to a higher level of development of the capital market,so as to improve the pension service enterprises equity financing ability,and promote the healthy development of pension service enterprises.V.Insurance funds meet the requirement of becoming investors of important industry institutions providing services for the aged.The characteristics of industry providing services for the aged include huge investment in scale,long investment cycle,stable capital backflow at middle-and-late stages,relatively high rate of return and strong ability to resist risks in long-term and comprehensive investment,which highly matches the nature of insurance funds.Therefore,insurance funds meet the requirement of becoming investors of important industry institutions providing services for the aged and insurance companies have rich experience in commercial endowment insurance products,which has certain core competitiveness and industrial advantages in the mode of composite development.So it should be focused on for exploring its functions.Pension industry and insurance business have a synergistic effect.Investment into industry providing services for the aged can contribute to realize the matching between assets and debts in insurance companies,extend and expand life insurance industry chain that connects insurance products with aging community.Insurance companies at the preliminary stages can take marching towards aging community as the main mode.In this mode,aging community will create new business growth point in insurance industry,which links up medical treatment insurance,nursing insurance and pension insurance,etc.upwards to promote insurance innovation,and drives medical science for the aged,nursing service,etc.downwards to extend industry chain.In the future,if there exists the condition of effective promotion by governments,conduct beneficial financing attempts in industry providing service for the aged by relying on PPP,"Internet+",etc.and gradually establish a complete industrial ecological model,which will form great pushing and demonstration effect to the whole industry providing service for the aged. |
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