| With the increasing trend of population aging and the continuous advancement of the old-age security system reform,the investment of the state and society is increasing,the asset management of the pension is more and more important.The old-fashioned financial business must become an important influence in the financial market Part of the development of commercial banks to bring opportunities.At the same time,the reform of the old-age security system requires the investment of social security funds.The existing social security funds in the form of deposits will become the securities form.The commercial banks’ liabilities business will be greatly impacted.How can the commercial banks cope with this impact and grasp the old-Business blue ocean,is an urgent need to solve the problem.This paper analyzes the reform of the old-age security system and the development of the old-age financial market in China through the study of the theory and actual support of the old-age pension,and draws lessons from the pension market situation of the major developed countries and the way and the way of the commercial banks to participate in the old-age financial business The development trend of the guarantee system and the development prospect of the old-age financial market,the proposed pension market will bring opportunities and challenges to the development of commercial banks,reconstruct the market pattern of commercial banks,commercial banks can only develop the old-fashioned financial business in the future market structure To have a role to play.Finally,this paper puts forward that the commercial banks should construct the pension financial service platform with the financial thinking of the industrial chain,establish the bank pension management company under the group financial framework,strengthen the research and product research and development of the old-age financial market,give the strategic support policy to the pension financing business,Weighing equity two-pronged approach to promote the development of old industry,the implementation of business brand strategy,strengthen international exchanges and cooperation,multi-policy simultaneously,in the pension market access to competitive advantage,enhance the overall value of commercial banks. |
