中国人口老龄化与商业银行经营战略研究
发布时间：2018-12-07 07:56
【摘要】：21世纪我国将迎来人口老龄化的浪潮,同发达国家相比,我国的老龄化具有许多特点,人口老龄化对我国经济社会发展的影响更为深远。 人是经济活动的基础,人口结构的变化必然会对商业银行的经营管理产生深远的影响。本文从理论出发,以商业银行的三大业务为主线,分析了我国人口老龄化对商业银行经营管理带来的影响,得出的结论是:老龄化会改变人们的储蓄和消费行为,从而使居民的储蓄率下降,贷款需求放缓,这对于本身就已经开始面对金融脱媒挑战的商业银行来说,无疑是一个雪上加霜的打击。但挑战的同时,又是一个机遇。老龄化社会催生了老年客户和中端客户对理财的需求,为商业银行个人理财业务的发展提供了一个极好的机会。 从分析的结果出发,本文提出了应对的措施,认为商业银行应该因时而变,进行经营转型。把老年客户和中端客户作为新的利润增长点,大力发展理财业务,但同时也要做好风险管理。
[Abstract]:In the 21st century, China will usher in the tide of population aging. Compared with the developed countries, the aging of our country has many characteristics, and the effect of population aging on the economic and social development of our country is more far-reaching. Human being is the foundation of economic activities, and the change of population structure will have a profound influence on the management of commercial banks. Starting from the theory and taking the three major business of commercial banks as the main line, this paper analyzes the influence of aging population on the management of commercial banks, and draws the conclusion that aging will change people's savings and consumption behavior. As a result, the savings rate of residents has fallen and the demand for loans has slowed, which is an even worse blow for commercial banks, which are already facing the financial disintermediation challenge. But at the same time, the challenge is an opportunity. The aging society has given birth to the demand for financial management of the aged and middle customers, which provides an excellent opportunity for the development of the personal finance business of commercial banks. Based on the results of the analysis, this paper puts forward some countermeasures, and points out that commercial banks should change from time to carry out business transformation. Taking the aged customer and the middle end customer as the new profit growth point, develop the financial management business vigorously, but also should do the risk management well at the same time.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：C913.6;F832.2
本文编号：2366865
[Abstract]:In the 21st century, China will usher in the tide of population aging. Compared with the developed countries, the aging of our country has many characteristics, and the effect of population aging on the economic and social development of our country is more far-reaching. Human being is the foundation of economic activities, and the change of population structure will have a profound influence on the management of commercial banks. Starting from the theory and taking the three major business of commercial banks as the main line, this paper analyzes the influence of aging population on the management of commercial banks, and draws the conclusion that aging will change people's savings and consumption behavior. As a result, the savings rate of residents has fallen and the demand for loans has slowed, which is an even worse blow for commercial banks, which are already facing the financial disintermediation challenge. But at the same time, the challenge is an opportunity. The aging society has given birth to the demand for financial management of the aged and middle customers, which provides an excellent opportunity for the development of the personal finance business of commercial banks. Based on the results of the analysis, this paper puts forward some countermeasures, and points out that commercial banks should change from time to carry out business transformation. Taking the aged customer and the middle end customer as the new profit growth point, develop the financial management business vigorously, but also should do the risk management well at the same time.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：C913.6;F832.2
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