| Pension finance is a problem that has been discussed by various financial institutions in the past 15 years.A large number of literatures have been studied at home and abroad,and countries including the United States,Japan and Singapore have developed relatively mature pension finance industry.As an important part of financial service institutions,commercial Banks,as financial institutions with credibility,should give play to their advantages in scale,fulfill their social responsibilities,and promote the development of pension business model.In this paper,the innovation of pension financial products in foreign countries is taken as the learning object,from which advanced experience can be drawn for reference.Meanwhile,the characteristics of aging development in China and household asset allocation are taken as the research object,and different situations are analyzed,so as to establish the pension model research with Chinese characteristics.On this basis,through the author work G customers of commercial Banks and retail asset allocation for data and investigation and study,analyze our country commercial bank asset allocation inequality and the future development pattern,should be the cause of integration of customer data,and then to the customer from the product development innovation management and finally to the solution to comb,aims to use the commercial Banks to participate in pension financial product development decisions to solve the old man a portion of the aging population social problem on a pension. |
