胡馨尹, 陳顥齊, and 袁筱薇, “破解老齡化困局：澳門養老保障體系及商業保險的創新路徑: Cracking the Aging Dilemma: Innovative Approaches to Macao’s Old Age Security System and Commercial Insurance”, MAJ, vol. 6, no. 2, pp. 215–223, Jan. 2024, Accessed: Aug. 03, 2025. [Online]. Available: https://www.pubdigi.com/index.php/MAJ/article/view/64