A Study On The Innovation Of Old - Age Financial Services In Banks

At present, China has gradually entered the aging society, under the influence of the elderly population base, grew faster, empty nest and more features, the traditional pension system has been a great challenge However, customers of financial services for the elderly is still very scarce. Although the country’s aging financial industry is almost a blank, but with a sound social security system, improve the income level of the elderly, demand for financial services are gradually emerging, the elderly demand for wealth management has become increasingly evident. In this context, our country set multiple resources, focus on the development of commercial bank-based financial services business elderly, in order from the network of financial institutions, human services, the development of financial products in three areas to improve the province’s commercial banks to finance the elderly service levels, financial peace of mind for the elderly and create a comfortable environment for old age.By A bank in China, a company with the characteristics of older financial services, for example, the need to first clarify the conditions and the development of senile A bank financial services and innovation by analyzing the internal and external environment, the external environment were selected representative population, market, demand, policy four dimensions; the bank’s own internal environmental management capacity, strengths, resources and cost of the four dimensions explain, after the text of the deficiencies and problems a bank financial situation and the process of innovation elderly services produced pave the way; then to a bank financial services as the main development of innovative elderly were analyzed from the a banks elderly finance presence service, lack of innovation and innovation of the causes, the reasons for lack of perspectives generated comprehensively analyzed; after analyzing the causes of deficiencies and problems, drawing on the experience of successful innovation on abroad, for the elderly a bank financial services innovation and development proposals instructive.At the same time the main idea of this article is to ask questions, analyze and solve problems, combined with a more advanced cases at home and abroad and data analysis, starting with the banking external environment analysis, research innovation of the banking services, but also pointed out insufficient and causes that exist in the innovation process, to improve the banking situation existing older financial services has to a large extent the driving force, but also to some extent compensate commercial banks in country, the financial services for elderly gaps and shortcomings. In the end, this paper in order to solve in an increasingly accelerated aging background, the commercial banks in China can target their specific circumstances, to A bank, for example, the elderly gradually improve financial services and service innovation, product innovation, service innovation multi-faceted seeking services and demand the best combination.