【摘要】：人口老齡化是人口結(jié)構(gòu)發(fā)展的重要趨勢(shì)之一，我國(guó)早在2000年就已經(jīng)進(jìn)入人口老齡化社會(huì)了，而且近些年來(lái)有不斷加劇的趨勢(shì)，所以必須積極發(fā)展老齡產(chǎn)業(yè)以應(yīng)對(duì)人口老齡化問(wèn)題。但是老齡產(chǎn)業(yè)發(fā)展面臨諸多瓶頸，其中融資瓶頸十分突出，我國(guó)老齡產(chǎn)業(yè)投資缺口巨大，必須盡快構(gòu)建老齡產(chǎn)業(yè)融資支持體系，以解決老齡產(chǎn)業(yè)融資難問(wèn)題。本文從我國(guó)老齡產(chǎn)業(yè)的投資缺口入手，針對(duì)我國(guó)老齡產(chǎn)業(yè)融資難的問(wèn)題展開(kāi)研究，在分析融資難原因和借鑒國(guó)外經(jīng)驗(yàn)的基礎(chǔ)上，力圖從融資供給、融資服務(wù)和融資保障三個(gè)角度構(gòu)建老齡產(chǎn)業(yè)融資支持體系。研究?jī)?nèi)容共分為如下三個(gè)部分： 第一部分是研究基礎(chǔ)。包括緒論、理論基礎(chǔ)、國(guó)外經(jīng)驗(yàn)、以及現(xiàn)狀與問(wèn)題研究。第一章緒論主要介紹了問(wèn)題提出的背景、研究的目的、意義、方法以及研究范圍，提出研究的主要理論依據(jù)、寫(xiě)作思路和框架設(shè)計(jì)，并對(duì)國(guó)內(nèi)外的研究現(xiàn)狀進(jìn)行述評(píng)，以此突出本研究的意義；第二章理論基礎(chǔ)主要研究了老齡產(chǎn)業(yè)融資支持問(wèn)題所涉及的老齡產(chǎn)業(yè)基礎(chǔ)理論、產(chǎn)融結(jié)合理論、金融創(chuàng)新理論和公共物品理論等經(jīng)濟(jì)學(xué)與管理學(xué)原理，這是對(duì)本研究的有效支撐；第三章著重研究了發(fā)達(dá)國(guó)家老齡產(chǎn)業(yè)發(fā)展與融資支持的經(jīng)驗(yàn)。發(fā)達(dá)國(guó)家人口老齡化早于我國(guó)，在應(yīng)對(duì)人口老齡化方面有很多值得借鑒的經(jīng)驗(yàn)，本章在分析發(fā)達(dá)國(guó)家老齡產(chǎn)業(yè)發(fā)展經(jīng)驗(yàn)的基礎(chǔ)上，重點(diǎn)研究了發(fā)達(dá)國(guó)家在老齡產(chǎn)業(yè)融資渠道拓展、融資制度和政策制定，以及融資服務(wù)方面的經(jīng)驗(yàn)；第四章主要是研究我國(guó)老齡產(chǎn)業(yè)發(fā)展及對(duì)其進(jìn)行融資支持的現(xiàn)狀與問(wèn)題，通過(guò)分析我國(guó)在老齡產(chǎn)業(yè)融資供給、融資服務(wù)和融資保障三個(gè)方面的問(wèn)題，提出加強(qiáng)老齡產(chǎn)業(yè)融資支持的必要性，并設(shè)計(jì)出了核心內(nèi)容研究的原則與思路。為后面的研究做好了鋪墊。 第二部分是核心內(nèi)容。主要是從政府和市場(chǎng)兩個(gè)層面相結(jié)合構(gòu)建我國(guó)老齡產(chǎn)業(yè)發(fā)展的融資供給體系、融資服務(wù)體系和融資保障體系，以及三個(gè)分體系之間的互動(dòng)機(jī)制與運(yùn)行模式。第五章是老齡產(chǎn)業(yè)多元化融資供給體系的構(gòu)建，主要是從政府性融資和市場(chǎng)性融資兩個(gè)角度出發(fā)，分析政府和市場(chǎng)對(duì)老齡產(chǎn)業(yè)融資供給的特點(diǎn)，二者的職能與分工等，其中重點(diǎn)研究了老齡產(chǎn)業(yè)發(fā)展市場(chǎng)化融資渠道及其創(chuàng)新，因?yàn)槭袌?chǎng)化融資渠道的拓展和創(chuàng)新是加強(qiáng)老齡產(chǎn)業(yè)融資支持的關(guān)鍵；第六章是老齡產(chǎn)業(yè)融資服務(wù)體系的構(gòu)建，主要是從政務(wù)性和市場(chǎng)性服務(wù)兩個(gè)方面展開(kāi)研究，政務(wù)性服務(wù)的重點(diǎn)在于加深認(rèn)識(shí)、提高服務(wù)效率，而市場(chǎng)化服務(wù)在于機(jī)構(gòu)的設(shè)立、服務(wù)市場(chǎng)的完善等，其中重點(diǎn)研究老齡產(chǎn)業(yè)融資服務(wù)體系的構(gòu)建及產(chǎn)業(yè)發(fā)展所需要的服務(wù)創(chuàng)新；第七章是老齡產(chǎn)業(yè)融資保障體系的構(gòu)建，主要是從宏微觀兩個(gè)角度出發(fā)展開(kāi)研究，宏觀方面要求我國(guó)政府能夠?yàn)槔淆g產(chǎn)業(yè)融資提供有效的制度和政策保障；微觀方面要求金融市場(chǎng)和金融機(jī)構(gòu)能夠?yàn)槔淆g產(chǎn)業(yè)融資創(chuàng)造良好的背景條件。第八章是我國(guó)老齡產(chǎn)業(yè)融資運(yùn)行機(jī)制和模式的研究，該章不僅從總體上研究了三個(gè)分體系之間的互動(dòng)機(jī)制，還為三個(gè)分體系切實(shí)有效的發(fā)揮作用設(shè)計(jì)了相應(yīng)的運(yùn)行機(jī)制與模式，并以青島市為例進(jìn)行了實(shí)證分析。 第三部分是對(duì)策與結(jié)論。第九章是在前面研究的基礎(chǔ)上，針對(duì)如何提升我國(guó)老齡產(chǎn)業(yè)融資支持能力提出了相應(yīng)的對(duì)策建議；第十章是基本結(jié)論和創(chuàng)新之處，在總結(jié)全文的基礎(chǔ)上，指出了本文的創(chuàng)新點(diǎn)和研究不足之處，并對(duì)我國(guó)老齡產(chǎn)業(yè)融資支持的未來(lái)研究進(jìn)行了展望。 總之，通過(guò)我國(guó)老齡產(chǎn)業(yè)融資支持體系的研究，不僅能夠?yàn)槲覈?guó)老齡產(chǎn)業(yè)的融資活動(dòng)提供理論支持，而且對(duì)我國(guó)解決老齡產(chǎn)業(yè)融資難問(wèn)題具有較強(qiáng)的現(xiàn)實(shí)意義。我們有理由相信隨著我國(guó)金融市場(chǎng)的發(fā)展、政府管理能力的提升，，以及從業(yè)人員素質(zhì)的提高等環(huán)境條件的改善，我國(guó)將逐步建立完善的老齡產(chǎn)業(yè)融資支持體系，以克服老齡產(chǎn)業(yè)的融資瓶頸，進(jìn)而促進(jìn)我國(guó)老齡產(chǎn)業(yè)的快速發(fā)展。
[Abstract]:Population aging is one of the important trends in the development of population structure. As early as 2000, China has entered an aging society, and in recent years there has been a growing trend, so we must actively develop the aging industry to cope with the problem of population aging. It is pointed out that there is a huge investment gap in China's aging industry and it is necessary to construct a financing support system for the aging industry as soon as possible to solve the financing problem of the aging industry. Financing supply, financing service and financing guarantee are three aspects to construct the financing support system for the aged industry.
The first part is the basis of the study, including the introduction, theoretical basis, foreign experience, as well as the status and problems. The first chapter introduces the background of the problem, the purpose, significance, methods and scope of the study, puts forward the main theoretical basis of the study, writing ideas and framework design, and reviews the research status at home and abroad. Chapter 2 is the theoretical basis of this study, which mainly studies the basic theory of the aging industry, the theory of combining industry with finance, the theory of financial innovation and the theory of public goods, which are the effective support for this study; Chapter 3 focuses on the developed countries. The experience of the aged industry development and financing support.The aged population in developed countries is earlier than that in our country.There are many valuable experiences in dealing with the aged population.Based on the analysis of the experience of the aged industry development in developed countries,this chapter focuses on the development of the aged industry financing channels,financing system and policy formulation in developed countries. The fourth chapter mainly studies the present situation and problems of the development of the aged industry and its financing support, and puts forward the necessity of strengthening the financing support of the aged industry by analyzing the financing supply, financing service and financing guarantee of the aged industry in China. The principles and ideas of research will lay the groundwork for the following research.
The second part is the core content. It mainly combines the government and the market to construct the financing supply system, the financing service system, the financing guarantee system, and the interactive mechanism and the operation mode of the three subsystems. From the two angles of government financing and market financing, this paper analyzes the characteristics of the financing supply of the government and the market to the aged industry, their functions and division of labor, etc., and focuses on the development of the aged industry market financing channels and their innovation, because the expansion and innovation of the market financing channels is the key to strengthen the financing support of the aged industry. The sixth chapter is the construction of the financing service system of the aged industry, mainly from the two aspects of government affairs and market services. The focus of government affairs service is to deepen understanding and improve service efficiency, while the market-oriented service lies in the establishment of institutions, the improvement of the service market and so on. The seventh chapter is the construction of the financial guarantee system for the aged industry, mainly from the macro and micro perspective. The macro aspect requires the government to provide effective system and policy support for the financing of the aged industry; the micro aspect requires the financial market and financial institutions to be able to provide effective system and policy support. The eighth chapter is the research on the operational mechanism and mode of the financing of the aging industry in China. It not only studies the interaction mechanism among the three subsystems on the whole, but also designs the corresponding operational mechanism and mode for the three subsystems to play an effective role, taking Qingdao as an example. Empirical analysis is carried out.
The third part is the countermeasures and conclusions. Chapter 9 is on the basis of the previous research, put forward the corresponding countermeasures and suggestions on how to improve the financing support ability of China's aging industry; Chapter 10 is the basic conclusions and innovations, on the basis of summarizing the full text, pointed out the innovation and research deficiencies of this paper, and on China's aging industry Future research on financing support is prospected.
In a word, the research on the financing support system of the aged industry in China can not only provide theoretical support for the financing activities of the aged industry in China, but also have a strong practical significance for solving the financing problems of the aged industry in China. With the improvement of personnel quality and other environmental conditions, China will gradually establish a sound financial support system for the aging industry to overcome the financing bottleneck of the aging industry and promote the rapid development of the aging industry.
【學(xué)位授予單位】：中國(guó)社會(huì)科學(xué)院研究生院
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2;D669.6

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