老龄化背景下商业银行养老服务金融发展及其效率提升策略

The Development of Commercial Banks'Financial Services for the Elderly and Its Efficiency Improvement Strategy in the Context of Aging

随着人口老龄化问题日益凸显,庞大的养老服务市场逐渐形成,老年人的养老需求日益向多元化、品质化、综合化方向转变。我国建立了三支柱养老保障体系,但目前还存在第一支柱独大,二、三支柱发展缓慢的状况。商业银行在助推二、三支柱发展进程中发挥着重要的金融支持功能,如何提升其参与养老服务的金融效率成为一项关键问题。本文围绕老龄化背景下商业银行养老服务金融展开研究,探讨了商业银行开展养老服务金融的基本状况及存在的问题,并以兴业银行和上海银行养老服务金融发展案例进行对比研究,进而提出促进商业银行提高养老服务金融效率的策略。

With the increasingly prominent problem of aging,the huge elderly care service market is gradually formed,and the care service demands of the elderly are increasingly transformed to diversified,quality and com⁃prehensive.China has established a three-pillar pension system,but there is still a situation that the first pillar is dominant and the second and third pillars are developing slowly.Commercial banks play an important financial support function in the process of promoting the development of the second and third pillars,and how to improve the financial efficiency of their participation in elderly care services has become a key issue.This paper focuses on commercial banks'financial services for the elderly in the context of aging,discusses the basic situation and prob⁃lems,and conducts a comparative study with the case of the development of financial services for the elderly by In⁃dustrial Bank and Bank of Shanghai,and then proposes strategies to promote commercial banks to improve the effi⁃ciency of financial services for the elderly.