Research On The Development Of Ageing Finance Of Commercial Banks

The increasingly severe aging trend has posed severe challenges to the pension for the residents,but it also promoted the development of the pension service field,and spawned the new demand for the aging finance.Developing aging finance has become the trend of commercial banks to adapt to the development of the market.It is also an important opportunity for commercial banks to upgrade their business transformation.In the field of aging finance,commercial banks have the advantages of rich network channels,extensive customer base and rich cooperation resources.Facing the broad blue sea of "silver hair" economy,commercial banks should seize the opportunity and actively lay the market based on the supply side reform.First,by analyzing multi disciplinary literature,reform of the pension system at home and abroad are reviewed,then to China's development of aging finance and pension products that commercial banks provide.Secondly,analyzes the development path of the United States and Hongkong which have relatively mature pension market,seeking for successful experience and predicting the reform trend.Finally,taking Z bank Zhejiang branch as an example,based on Zhejiang's local pension market,it puts forward business development strategy,mining new profit growth,and promoting bank's own business transformation.