Study On The Innovation Of Senior Financial Services Of The Bank Of BOCM In Wenzhou From The Perspective Of Requirement

China's population is carried towards older people,the statistics show,in the future of nearly 80 years,the elderly consumer will make up of most part of the consumer in China.At the present,because of the deeply degree of aging and the big population of the older people,the traditional pension system is in a great challenge.In china.The population aging process is ahead of economic development in China,so called"aging before getting rich5".Against this background of the aging,bank of BOCM in Wenzhou must carry out the development of the older financial service innovation to get the huge market.So,how to deal with the innovation of the elderly financial service based on the requirement of the elderly was became the important subject of the bank of BOCM in Wenzhou today.The bank of BOCM in Wenzhou was taken as the research object in the paper.On the basis of the requirement of the elderly financial service,the innovation Strategy of the elderly financial service of the bank of BOCM in Wenzhou was specifically analyzed and studied.Firstly,starting from the analysis of the present situation of the innovation of elderly financial services of the bank of BOCM in Wenzhou was analyzed,and the insufficiency was revealed.Secondly,on the basis of the analysis of the classification and special requirement of the elderly consumers,the requirement of the elderly financial services was studied..Thirdly.through the four dimensions model of service innovation to analyze the innovation of elderly financial services of the bank of BOCM in Wenzhou in the four aspects of service concept innovation,consumer innovation,service delivery system innovation,technology innovation.Finally,make recommendations the innovation of elderly financial services to the bank of BOCM in Wenzhou in the four aspects as mentioned before.The research result played a role in the innovation of elderly financial services of the bank of BOCM in Wenzhou.With strong application value,it could also provide some reference for the other commercial bank in China.