南京养老产业金融支持研究.doc

摘要:中国不仅是世界上人口规模最大的国家，而且老龄化现象严重，养老问题日益突出，发展养老产业势在必行。南京作为国家一级大城市，也早早步入老龄化阶段，养老产业繁多，而养老产业的发展需要资金的大力支持，因此对于研究养老产业金融支持意义重大。

　　　本文通过文献研究，统计数据分析，结合对南京市养老产业金融支持现状的实地调查，得出目前南京养老产业金融支持仍存在许多问题：服务成本费用高；信贷管理模式落后；金融支持手段单一；养老保险法律落后等等。为解决这一系列问题，结合国外经验，分析日本，巴西，德国的养老产业金融支持方式，根据南京自身现状，给予政府需加强政策支持、金融产品需创新、要完善养老保险监督体系、建立明确投资方向等建议，以完善南京市养老产业金融支持的不足。

关键词:养老产业；南京市；金融支持；政策；制度

Abstract:China as the world's largest country, serious pension problems, vigorously support and development of the pension industry need the financial industry. Nanjing as a national big city, has also early aging stage, the pension industry is various, so for the study of the pension industry financial support of great significance.

　　　Pension industry is an important part of national economy, for the comprehensive construction well-off society of Nanjing, through the literature analysis, statistical data, field investigation of Nanjing city endowment industry financial support status. Although Nanjing pension systems continue to improve, improve the old-age security is stable, but there are still many problems: high cost of credit service; the backward mode; financial support means a single etc.. In order to solve a series of problems, according to foreign experience, analysis of Japan, Brazil, pension industry financial support in Germany, according to Nanjing's situation, to give policy, financial product innovation, in order to improve the deficiency of Nanjing city endowment industry financial support.

Keywords:  pension industry  nanjing City  financial support  system  policy