The Research Of Opportunity And Strategy For Pension Finance Of Commercial Bank In China

The rapidly and irreversibly ageing population has put forward severestress and challenge for social security insurance system in China. Withthe fast developing of old-age service industry, new demand of pensionfinance increase sharply. Meanwhile, the development of pensionfinance is the basic requirement for commercial bank to meet themarket demand and the essential method to realize businesstransformation. With the rapid development of old-age financial scale,commercial banks can take advantage of its high degree of credibility,network wide, ahead of the layout of pension finance, to seize marketopportunities.This thesis analyzed the current circumstance of pension finance inChina’s commercial banks, the experience of developed countries,opportunities, challenges and strategies of China’s commercial banks.Firstly, analyze the current development situation of pension finance inChina’s commercial banks, including market demand, the developmentcondition, troubles and problems. Secondly, predict the direction and development of pension financial system in china, basing on theexperience of American, Japan, and Hong Kong. Thirdly, analyze andpredict the key factor during the reform process of pension system inChina, which including enterprise annuity, consumption, real estate forthe aged. Finally, according to the need to business reform ofcommercial bank, made the advice on business integration, assetmanagement, product system, financial innovation, informationdisclosure, business ability, team construction.