基于物质生产视角的中国长寿风险管理研究

长寿风险是实际寿命超过预期寿命造成财务短缺的风险，已经成为困扰现代经济社会发展的重要问题，各国都高度重视长寿风险管理。随着经济社会的发展，目前中国平均寿命不断延长，超过了发展中国家的平均水平，高龄人口数量激增，预期寿命存在被严重低估的风险，部分地区出现养老基金收不抵支的现象，中国长寿风险隐患加剧，引起社会广泛关注。本研究以物质生产积累为核心探索长寿风险管理问题，分析中国长寿风险管理的特殊性，揭示中国长寿风险管理的措施和方法。首先，测算中国长寿风险管理的经济基础条件，明确长寿风险管理的物质生产积累是否充足。其次，为长寿风险管理的经济基础条件披上货币资金的外衣，测算中国长寿风险的货币资金条件，明确长寿风险管理的货币资金是否充足。最后，基于长寿风险管理的经济基础条件及货币资金条件，分析中国长寿风险管理是物质生产不足，还是货币资金配置效率问题，构建中国特色的长寿风险管理机制。

Longevity risk is incurred by financial shortage when actual life span surpassed expected life span. Nowadays, longevity risk had been the important problem that troubled the development of mordern ecomony and society. Every state paid much more attention to the management of longevity risk. With the development of ecomomy and society, the average life span of chinese population extended on and on currently, which exceeded the average level of developing countries. The aging population increased sharply these days. The chinese life expectancy may be underestimated seriously. The income of pension fund couldn’t cover the expenditure in some areas. The hidden danger of longevity risk in china was intensified. The problem of chinese longevity risk caused hot attention in society. This study focused on the accumulation of material production to search for the management methods of longevity risk. The research analyzed the speciality of chinese longevity risk management, and revealed the measures and methods of chinese longevity risk management. Firstly, the research estimated the economic foundament condition of chinese longevity risk management, which would disclose that if the supply of material production for chinese longevity risk management was sufficient. Secondly, the research weared monetary coat for economic foundament condition of chinese longevity risk management, and estimated the monetary capital condition of chinese longevity risk management, which would discover that if the supply of monetary capital condition of chinese longevity risk management was sufficient. At last, due to the basic economic foundament condition and monetary capital condition of chinese longevity risk management, the research woud find out the management problem of longevity risk in china was incurred by the lack of material production insufficiend or by the inefficient of monetary capital allacation. Then, the study would build up the chinese styled management mechanic of longevity risk.