我国商业银行养老金融研究

发布时间：2018-03-13 07:31

本文选题：商业银行业务　切入点：养老金融　出处：《哈尔滨商业大学》2017年硕士论文　论文类型：学位论文

【摘要】：养老需求日益严峻的人口老龄化趋势对养老保障制度提出了严峻的挑战。与此同时,老龄化趋势推动养老服务产业发展,催生养老金融的新需求。发展养老金融业务是商业银行适应市场需求,实现业务转型的重要手段。养老金融具有规模发展快速,客户和资金稳定性高的特点,商业银行可以利用其信誉度高、网点广泛等特点,提前布局养老金融,抓住市场先机。为了探索我国商业银行养老金融业务的发展规律,设计适合我国老年人的养老金融产品,在研究过程中,运用文献研究法,搜集查阅和分析我国商业银行养老金融问题涉及的内容和理论,对目前学术界的重要观点和前言问题形成全面、基本的认识;运用调查分析法,通过调查我国老年人对养老金融产品的需求特点,分析我国金融行业的养老产品存在的问题,为设计适合我国的养老金融产品策略奠定基础;运用归纳总结法。选取在养老金融服务行业时间比较久,经验比较丰富的典型国家,如美英日这些发达国家,分析其商业银行的养老金融产品,寻找改革成功的共同之处和成功经验。通过分析研究,把我国商业银行养老金融业务发展划分为三个阶段:参与养老金融服务阶段、获取养老金融业务资格阶段、创新养老金融产品阶段。其特点表现为个人客户主要养老服务业务类型较多,客户数量多、形成广泛的渠道网络和初步建立了养老产品组合等。研究发现,我国商业银行养老金融业务存在着产品难以满足养老需求、企业年金覆盖率不高、商业价值没有充分挖掘、业务资质获取困难等问题。要解决上述问题,在借鉴国外商业银行养老金融产品的经验的基础上,商业银行要加大养老产品创新力度,增加企业年金覆盖率,充分挖掘客户需求,完善养老金融业务体系。
[Abstract]:The aging trend of the aging population, which is increasingly demanding for the aged, poses a severe challenge to the old-age security system. At the same time, the aging trend promotes the development of the old-age service industry. The development of endowment finance is an important means for commercial banks to adapt to market demand and realize business transformation. Pension finance is characterized by rapid development of scale, high stability of customers and funds. Commercial banks can make use of their characteristics of high reputation and wide network to lay out pension finance ahead of schedule and seize the market opportunity. In order to explore the law of the development of the old-age financial business of commercial banks in China, we can design the old-age financial products suitable for the elderly in our country. In the course of the research, we use the method of literature research to collect and analyze the contents and theories involved in the old-age financial problems of commercial banks in our country, and form a comprehensive and basic understanding of the important viewpoints and foreword problems in the academic circles at present. By means of investigation and analysis, this paper analyzes the problems existing in the old-age financial products of our country by investigating the demand characteristics of the old-age financial products for the elderly in our country, and lays a foundation for designing the strategies of the old-age financial products suitable for our country. Using the inductive summary method, select the typical countries, such as the United States, Britain and Japan, which have been in the old-age financial service industry for a long time, and analyze the pension financial products of their commercial banks, such as the United States, Britain and Japan. Through the analysis and research, we divide the development of Chinese commercial banks' endowment finance business into three stages: participating in the old-age financial service stage, obtaining the qualification stage of the old-age finance business, and finding out the common points and the successful experiences of the reform. The stage of innovative old-age financial products is characterized by a large number of main types of services for the aged, a large number of customers, a wide network of channels and a preliminary establishment of a portfolio of pension products. There are some problems in the old-age financial business of our country's commercial banks, such as the products are difficult to meet the demand for the aged, the coverage rate of enterprise annuity is not high, the commercial value is not fully excavated, the business qualification is difficult to obtain and so on. On the basis of drawing lessons from the experience of foreign commercial banks' pension financial products, commercial banks should increase the innovation of pension products, increase the coverage rate of enterprise annuity, fully tap the needs of customers, and perfect the pension financial business system.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;D669.6

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