韩国央行：人口老龄化与金融稳定：实证分析（英文版）

The global population is rapidly entering a so-caled “super-aged society,” inwhich individuals aged 65 and older account for over 20% of the total population.This phenomenon is driven by low fertility rates and increased life expectancy. Inparticular,several advanced economiesincluding Japan,Germany, and SouthKorea-have already reached the super-aged threshold, and according to the UNWorld Population Prospects (2024), countries such as Canada are expected tofollow suit by 2025. Given that lab