我国社区养老的困境与对策研究
Research on the Dilemma and Countermeasure of China’s Community Pension

随着人口老龄化日渐加剧，研究多元创新化的养老服务模式已成我国养老服务改革的主流方向。但由于区域、文化、经济等各种差异，有关时间银行的实例举证分析数量较少，归纳的政策建议大多是关于规范式的探究，缺乏单独的个体和泛化的问题合并研究，并且对于区域之间、社区之间的差异没有给予充分的关注，会导致相关策略的针对性以及可操作性不强等。本文以时间银行应用于社区互助养老服务模式作为重点研究方向，通过探析时间银行模式下我国社区养老的现实特征，以及对现状的分析，总结出时间银行互助养老模式的现实意义，为我国养老服务体系的不断完善提供理论支撑与政策建议。
With the increasing aging of the population, exploring multi-innovative pension service models has become an inevitable trend in China’s pension service reform. However, due to regional, cultural, economic and other differences, the empirical analysis of time bank is relatively small, and the policy recommendations are mostly based on normative research, lacking a combination of individual and generalized problems. In addition, there is no sufficient attention to the differences between regions and communities, which will lead to the lack of pertinence and operability of relevant strategies. This paper focuses on the application of time bank to the community mutual pension service model. Through the analysis of the realistic characteristics of China’s community pension under the time bank model, as well as the analysis of the current situation, the realistic significance of the time bank mutual pension model is summarized, providing theoretical support and policy recommendations for the continuous improvement of China’s pension service system.