CAJ | 학술논문

目前，我国已进入老龄化社会，面临着人口红利消失、劳动力供给不足的风险。在这种特殊的背景下推进利率市场化改革对我国而言是一个全新的挑战，老年人口对于风险的承受能力较低与利率市场化所带来的经济波动形成了明显的冲突。通过研究我国当前的老龄化和利率市场化的特点及进程，系统分析了我国在这一大背景下推进利率市场化给老年人养老问题带来的巨大压力，并且由于目前我国金融机构针对老年人服务的不足，导致老年人无法分享利率市场化的收益等问题，提出了应该加快推进社会存款保险制度，完善老年人理财产品市场，积极引导资金向养老机构倾斜等一系列具有针对性的应对策略。
목전，아국이진입노령화사회，면림착인구홍리소실、노동력공급불족적풍험。재저충특수적배경하추진리솔시장화개혁대아국이언시일개전신적도전，노년인구대우풍험적승수능력교저여리솔시장화소대래적경제파동형성료명현적충돌。통과연구아국당전적노령화화리솔시장화적특점급진정，계통분석료아국재저일대배경하추진리솔시장화급노년인양로문제대래적거대압력，병차유우목전아국금융궤구침대노년인복무적불족，도치노년인무법분향리솔시장화적수익등문제，제출료응해가쾌추진사회존관보험제도，완선노년인리재산품시장，적겁인도자금향양로궤구경사등일계렬구유침대성적응대책략。
At present, our country has become an aging society with demographic dividend disappea- ring, and the appearing of labor supply risks. Under the background of this particular implementation of market based reform of interest rates is a new challenge for our country.Based on the current aging and the characteristics and process of marketization of interest rate,this article analyzes systematically the context of the implementation of market oriented interest rate, and the relevant problems as well as some targeted countermeasures.