Research On The Development Of Ageing Financial Services Of Commercial Banks In China

According to the surveys of the census in recent years and the statistics from the relevant organizations,our country has entered the stage of aging society.At the same time,,the number of the aging population is growing rapidly because of the large population base of our country.The rapid increase in the number of the elderly population has increased the pressure on the state in the area of pension funds,and urgently requires financial support for the development of the pension industry.In this context,the commercial banks in our country have explored the aging financial services earlier,and their own development conditions are far superior to other financial institutions in China and are facing the pressure of business transformation.Therefore,it is of great significance to pay attention to and improve the development of commercial banks in the field of aging financial services.Through the analysis of the characteristic financial service demand of the aged people,the domestic realistic development environment and the successful experience of the foreign aging financial service,this paper analyzes some problems existing in the development of aging financial services in China's commercial banks,and puts forward some perfect development countermeasures.First of all,through the development of aging financial services in China's commercial banks,the elderly put forward the characteristics of financial services.Combined with the development experience of foreign advanced aging financial services and the realistic environment foundation of the development of aging financial services in China's financial field,this paper makes a comprehensive analysis of the development of aging financial services by commercial banks in China.The problems encountered in the process of development and innovation and their own shortcomings.The aging financial service is still a new kind of thing for the financial field of our country,so it is inevitable to appear and produce various problems in the process of promoting the development of the financial service.Some problems can be avoided and corrected by learning from the advanced experiences and practices of countries that have entered the stage of ageing society in advance of foreign countries.Part of the problem is that the unique existence of the financial field in our country must be combined with the environmental basis of the development of the aging financial service innovation and the successful practical experience to put forward relevant constructive opinions and suggestions.Finally,according to the realistic environment of the commercial banks in our country and the problems encountered in the process of development and the lack of perfection,the corresponding solutions and countermeasures are put forward.It points out the direction of the development of the aging financial service for the commercial banks in our country,and has a good reference function for the development of the aging financial service in the financial field of our country at the same time.From the point of view of the problems in the development of aging financial services of existing commercial banks caused by the speed of our country's aging society,this paper is based on the realistic development environment.The successful development experience of foreign countries and the current situation of domestic banks' development of aging financial services are analyzed and studied from various angles.The practical reasons for the problems faced by Chinese commercial banks in the development of aging financial services are analyzed and studied.And we draw lessons from the advanced practices of foreign developed countries in this respect and the typical financial institution practices in the development of aging financial services in the field of finance in our country.It is the existing content of aging financial services of commercial banks in China.Providing a clear direction for development and giving full play to the advantages of our country's commercial banks in the aspect of aging financial services,we have perfected the demand of our commercial banks for the aging group of financial services,and realized the specialized development of our country's commercial banks' financial services.