商业银行参与养老第三支柱建设的策略研究

Research on the Strategy of Commercial Banks Participating in the Construction of the Third Pillar of Pension

中国人口老龄化速度加快,已步入未富先老新阶段,养老问题得到持续关注。在第一支柱支付压力大,第二支柱普及率低的背景下,推动第三支柱的发展显得尤为重要。“十四五”规划将应对人口老龄化提到国家战略层面,接连提出推动第三支柱个人养老金发展的指导意见。在政策的推动下,各行各界积极布局养老第三支柱。商业银行作为养老金体系建设的主力军,同时也是养老群体最为依赖信任的金融机构,在账户管理、营销服务等方面具有无可比拟的优势,更应抓住养老金融发展的风口,积极参与到第三支柱建设上来,为居民个人进行养老投资提供更多选择,最终实现自身战略转型和国家养老能力提升双赢的目标。

The aging of China's population is accelerating,and the country has entered a new stage of get-ting old before getting rich.The issue has received sustained attention.Under the background of high pay-ment pressure of the first pillar and low penetration rate of the second pillar,it is particularly important to promote the development of the third pillar.The“14th Five-Year Plan”deals with the aging population to the national strategy and propose guidelines on promoting the development of the third pillar of personal pension.Under the promotion of the policy,all walks of life actively layout the third pillar of pension.As the main force in the construction of pension system,commercial banks are also the most dependent and trusted financial institutions of pension groups,they have incomparable advantages in account management and marketing services,they should seize the outlet of pension financial development,actively participate in the construction of the third pillar,provide more choices for residents'individual pension investment,and finally achieve the win-win goal of its own strategic transformation and the improvement of national pension capacity.