A Research On The Development Of Community Bank Pension Finance Business

The joint-stock commercial banks have carried out extensive distribution of community banks in recent years.However,after the rapid expansion,many problems have been exposed,the development has slowed down rapidly,and changes are urgently needed.Bank A has seized the opportunities and challenges brought by the aging population in China,adapted to the policy orientation,took the lead in combining community banking with pension finance,and adjusted and innovated the products and services of community banks.Although the development of A community bank,s pension financial business has achieved some success in these years,there are still some problems.Therefore,this paper hopes to explore the optimization of A community bank pension business through research.By reading and summarizing the literature on community banks and pension finance,this paper has a comprehensive grasp of the relevant concepts and research status.At the same time,through the release of a random questionnaire,the awareness and concerns of residents about the community bank and pension were investigated.On these basis,selecting A community bank as a case,after a brief introduction,this article analyzes how A community bank designs in the brand,products,services and other aspects according to the situation of Chinafs aging population,personal financial needs,financial coverage,related policies and other external environment.Subsequently,through data analysis and comparative analysis of A community banks,this paper finds that A community banks have some problems,such as weak competitiveness of pension financial services,unsatisfactory channel construction of community banks.The internal reasons are the imperfect pre-planning and design of A community bank,plus the lack of independence in development goal of community banks;externally,the national policy orientation affects the planning and construction of community bank,and there exists impact of diversified service channels such as Internet finance,new bank and so on.In view of these problems and reasons,this paper puts forward several optimization suggestions for A community bank:firstly,it should take the standardized management and professional construction of the network as the development guarantee;secondly,it should enhance the enthusiasm of customer participation by strengthening the awareness of pension finance and enhancing the understanding of community banks;thirdly,it is necessary to give full play to the value of community banks through characteristic operation mode of the community.Finally,it should carry out cooperation within and outside the industry,attach importance to the combination of resources,so to realize the synergetic development.