Study on the Innovation Path of Pension Financial Products in China Under the Aging Population Background
DOI:
https://doi.org/10.53469/ijomsr.2025.08(10).02Keywords:
Population aging Pension finance Product innovationAbstract
With the rapid development of social and economic construction, the problem of population aging has become more prominent and gradually become one of the hot social issues. Based on the background of population aging, this article conducts an in-depth analysis of the current situation and innovative development paths of China's pension financial products. At present, there are problems such as an imbalance in supply and demand structure, single asset allocation, insufficient guarantee mechanism, and weak elderly-friendly attributes in China's pension financial products. In combination with the demand for high-quality development of pension financial products, effective countermeasures are proposed for the existing problems. It provides practical references for building a pension financial product system suitable for Chinese society.
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