Old-age Financial Research Of Commercial Bank In China

Growing trend of population aging on old-age security system put forward severe challenges.At the same time,the aging trend promote the development of old-age service industry,create the new demand for old-age finance.Commercial Banks regard development of old-age finance as a important means to meet the needs of the market and to accomplish the business transformation.Old-age finance has some special characteristics,such as rapid growing scale and high stability in customers.Commercial Banks can take advantage of its high reputation and wide network,and seize the market opportunities.In order that explore the development law of old-age financial business of commercial banks in our country to design the suited old-age financial products in our country,various methods are used in the study to analyze the topic of old-age financial problem of commercial banks.Fundamental understanding of the formation of academic basic opinions are made Foundation was laid for the design is suitable for our country's old-age financial products.By using generalized method was applied in this paper.The United States,Britain,Japan,the typical developed countries as a case study,analyze its old-age financial products of commercial Banks,summarizes its successful experience.Through the analysis,our country commercial bank old-age financial business development is divided into three stages:participating in pension financial services phase,obtaining old-age financial business qualification phase and old-age financial products innovation phase.It has the following characteristics:individual customers are more,the customer number,Studies have found that our country commercial bank old-age financial business have the following problems:the product is difficult to meet the demand of pension,enterprise annuity coverage rate is not high,commercial value is not fully excavated business qualification for difficult.To solve the following problems,in using the experience of foreign commercial bank old-age financial products,commercial Banks should increase the intensity of old-age financial products innovation,increase the coverage of pension fund and fully mining the customer demand,improve the pension system of financial business.