人口变化:金融部门的新挑战

Demographic Changes and Challenges for Financial Sector

人口下降和老龄化对经济增长和利率水平产生影响,在压缩银行部门利润空间的同时,也产生了对多元化金融服务和技术创新的需求,金融部门的服务内容和商业模式需要适应人口变化,其风险偏好变化和金融系统稳定性也值得关注。

An aging population has had an impact on economic growth and interest rate levels. While profit margins in the banking sector have been reduced, there is also a demand for diversified financial services and technological innovation. The services and business models in the financial sector need to adapt to population changes, while greater attention needs to be paid to changes in risk appetite and the stability of the financial system itself.