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近年来,人口老龄化问题已引起广泛关注。发展老龄产业是人口老龄化的必然趋势和现实要求。目前学术界对老龄产业已有相关研究,但国内外针对老龄服务产业融资研究还较少。作为新兴产业,受内外因共同作用,市场化融资不足,主要依靠政府支持,融资模式传统单一,融资难问题已成为制约老龄服务产业发展的主要瓶颈。本文从研究浙江老龄服务产业融资现状入手,分析融资存在的问题及原因,结合老龄服务产业的特征及性质,立足产业所处内外部环境,试图打破传统单一的融资模式,提出引入ABS、BOT、TOT等项目融资模式以及联贷联保贷款等债权融资模式,以有利于解决老龄服务产业市场化融资系列问题,具有一定的现实指导意义。
In recent years, the problem of population aging has drawn wide attention. The development of the aging industry is an inevitable trend and realistic requirement of the population aging. At present, academia has studied related to the aging industry, but there are still few studies on the financing of the aged service industry at home and abroad. As a new industry, due to the combined effect of internal and external factors, lack of market-oriented financing depends mainly on government support. The traditional financing model has become a major bottleneck restricting the development of the aging service industry. Based on the research on the current situation of the financing service for the aged service industry in Zhejiang, this paper analyzes the existing problems and the reasons for the financing problem. Combining with the characteristics and nature of the service industry, trying to break the traditional single financing mode, TOT and other project financing models as well as the loan guarantee loans and other forms of debt financing, in order to help solve the aging service industry market financing series of issues, with some practical significance.