近年来,国内外关于时间银行养老模式的讨论与实践日益增多。然而,时间银行养老模式是否可行,仍未被主流经济理论证实,现行时间银行运行机制存在诸多问题且不宜被直接推广。基于货币搜寻模型,证明了时间银行养老模式的可行性,即无利率无通胀的时间货币相比于法定货币提升了老年群体的福利水平,时间银行养老模式充分引入市场机制是老年群体实现最公平福利最大化的重要方式。另外,借鉴成熟的中央银行与商业银行运行机制,引入商品市场与资本市场,兼顾金融稳定与金融风险,提出了具有普惠性质的时间银行养老模式运行机制。
In recent years, there has been increasing discussion and practice on the time bank model of senior living. However, the feasibility of the time bank model has not been confirmed by mainstream economic theory, and the current time bank mechanism has many problems and is not suitable for direct replication. This paper proves that the time bank model is feasible based on the money search model: (1) interest-free and inflation-free time currency enhances the level of welfare of older people compared to legal currency; (2) the introduction of market mechanism in the time bank model is an important way to maximize the most equitable welfare of the elderly. In addition, by drawing on the operational mechanisms of mature central and commercial banks, introducing commodity and capital markets, and balancing financial stability and financial risk, a time bank model with an inclusive operational mechanism has been designed.
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