Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025)

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A Holistic Study on Pension Finance Development in the Context of Population Aging

Authors
Xinyun Luo1, *
1School of Economics & Management, Changsha University of Science & Technology, Changsha, China
*Corresponding author. Email: lxy1527677518@outlook.com
Corresponding Author
Xinyun Luo
Available Online 3 November 2025.
DOI
10.2991/978-94-6463-874-5_132How to use a DOI?
Keywords
Population Aging; Pension Finance; Longevity Risk; Economic Transformation; Financial Technology
Abstract

Against the backdrop of accelerating global population aging, the traditional pension security system is facing multidimensional and severe challenges. The replacement rate of pension continues to decline, fiscal sustainability is facing a serious crisis, and intergenerational conflicts are increasingly intensifying. These problems are like a series of difficulties looming over the pension security system. This study deeply analyzes the multidimensional value of pension finance in alleviating public pension pressure and promoting economic transformation. However, the development of pension finance has not been smooth sailing, with key issues such as accumulated longevity risks, frequent market fluctuations, product homogenization and weak innovation, regulatory lag, and lack of cross departmental coordination mechanisms severely constraining its further development. To effectively address these challenges, this study has developed a comprehensive solution framework that covers measures such as public-private partnership design to enhance intergenerational equity, the use of financial engineering tools to diversify risks and optimize returns, and the construction of dynamic regulatory mechanisms combined with biometric technology.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
3 November 2025
ISBN
978-94-6463-874-5
ISSN
2352-5428
DOI
10.2991/978-94-6463-874-5_132How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Xinyun Luo
PY  - 2025
DA  - 2025/11/03
TI  - A Holistic Study on Pension Finance Development in the Context of Population Aging
BT  - Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025)
PB  - Atlantis Press
SP  - 1153
EP  - 1161
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-874-5_132
DO  - 10.2991/978-94-6463-874-5_132
ID  - Luo2025
ER  -