基于供给侧改革的商业银行养老金融的布局与发展

The Distribution and Development of Commercial Banks' Pension Financial Based on Supply-side Reform

在我国进入老龄化社会的背景下,养老基金管理市场和养老产业的商业开发价值日益凸显,商业银行养老金融随之迎来了发展的机遇期。然而,养老金融业务组织架构零散、养老保障制度存在结构障碍、养老金融产品服务同质化严重等问题,又制约着商业银行养老金融的发展。从供给侧改革角度出发,我国商业养老金融首先应构建完善的组织管理体系,构建统一的保障体系与资金管理体系,同时形成养老保障型、养老融资类、投资收益类等一系列完整的产品服务系统,最后从建立健全发展保障机制等方面着手,以促进自身发展。

Under the background of entering the aging society in our country, the pension fund management market and the valueof the commercial development of old-age industry are growing, and the pension financial of commercial banks welcomed the opportunity of development. However, some problems restrict the development of pension financial of commercial banks, such as fragmented architecture of pension financial business organization, structural barrier of retirement pension system, and severe homogeneity of pensionfinancial products and services. From the perspective of the supply-side reform,first, the commercial pension financial in China shouldbuild perfect organization management system, build a unified security system and funds management system, and at the same time,build up a complete product service system of old-age security, pension financing, investment and income. Finally, we should establish and perfect the development safeguard mechanism, so as to promote our own development.