随着老龄化人口的逐年增加，养老问题成为亟待解决的课题。本文通过分别对养老保障体系中的第一支柱、第二支柱、第三支柱的发展演变过程、养老金融发展现状与不足的梳理，提出养老金第三支柱是未来形成多层次养老保险体系的重要组成部分，特别是鼓励商业银行、保险公司、基金、信托等金融机构提供多元化、适老性养老储备型金融产品的同时，养老金融发展过程中风险防范是必要。并且提出加强监管、建立系统化风险控制体系、创造养老金融发展的良好环境、保障养老资产增值保值、推动加强养老金融教育等具体建议。

关键词：养老金融、金融教育、养老保障体系

With the aging population increasing year by year, the problem of old-age care has become an urgent problem to be solved. By combing through the development and evolution process of the first pillar, second pillar and third pillar of the old-age security system, and discussing the current situation and shortcomings of the old-age financial development respectively, this paper puts forward that the third pillar of old-age pension is an important part of the formation of multi-level old-age insurance system in the future. We believe that it is necessary to encourage commercial banks, insurance companies, funds, trusts and other financial institutions to provide diversified, old-age pension reserve-type financial products as well as risk prevention in the process of pension financial development. We also propose physical suggestions to strengthen supervision, establish a systematic risk control system, create a good environment for the development of old-age finance, protect the value-added of old-age assets, and promote the strengthening of old-age financial education.

Keywords: Pension Finance, Financial Education, Pension Security System