Study On Supply Side Problems And Countermeasures Of China’s Elderly Service Finance

Chinese population is about to enter a deep aging process.The national needs for the elderly are gradually diversified,comprehensive,complex and personalized.It is obviously insufficient to protect the national pension needs only through the family pension system and solve the problem that pension wealth is unbalanced and inadequate.As an important market mechanism to guarantee social pension,pension service finance has a broad prospect.We will implement the national strategy of actively responding to the aging of the population and promote high-quality and healthy development of elderly services and the cause of the elderly.Turn the danger of aging into the opportunity of elderly care service finance.After combing the connotation and conceptual framework of pension service finance in detail,this paper introduces the current situation of market supply of pension service finance in China from the aspects of bank,insurance,trust and fund,and analyzes the supply-side problems of pension service finance,such as limited product supply,insufficient market segmentation,unbalanced product distribution,high proportion of savings products After expounding the case of "happy life" of Societe Generale Bank,this paper tries to put forward some suggestions on the related problems of pension service finance in China: perfecting the financial policy of pension service and strengthening the financial supervision of pension service;enriching the financial product system of pension service;widening national income and expanding the source of national income;strengthening pension financial education and improving pension financial literacy;opening up the domestic pension financial market;and exploring the development path of pension service finance with Chinese characteristics.