商业银行发展养老服务金融的必要性和策略分析

Necessity and Strategy Analysis of Commercial Banks’ Development Pension Service Finance

养老服务金融是养老金融的重要组成部分,指的是除制度化的养老金外,金融机构通过金融创新来满足个人多元化的养老需求。商业银行拥有庞大的零售客户群体,在养老服务金融提供方面发挥着重要作用。同时,发展养老服务金融也是商业银行应对市场竞争加剧、金融科技推动行业转型的必然选择。商业银行应注意建立合适的组织架构和考评机制,改善软硬件设施,充分了解老年群体需求,开发真正符合客户需求的多元化养老金融产品。

Pension service finance is an important part of pension finance, which means that in addition to institutionalized pension, financial institutions use financial innovation to meet individual diversified pension needs. With a large amounts of retail clients, commercial banks play an important role in providing pension service for the elderly. At the same time, the development of pension service finance is also an inevitable choice for commercial banks to cope with the intensified market competition and fintech to promote the transformation of the industry. Commercial banks should pay attention to establishing an appropriate organizational structure and evaluation mechanism, improve software and hardware facilities, fully understand the needs of the elderly, and develop diversified pension financial products that truly meet customer needs.