摘要
在我国人口老龄化深度推进与银发经济加速发展的背景下,城市商业银行(以下简称“城商行”)作为服务地方民生与区域经济的核心金融力量,发展养老金融既是响应国家战略的必然要求,也是实现自身差异化转型的关键路径。本文以城商行养老金融业务为研究核心,结合现有文献与行业实践,系统梳理城商行在养老金融领域面临的战略定位模糊、产品供给同质化、适老化服务不足、风险管控薄弱等问题——这些问题既源于城商行对养老金融战略价值认知不足,也受限于产品创新能力与专业服务体系的欠缺。在此基础上,从战略锚定、产品创新、服务优化、风险防控四大维度提出针对性策略:通过明晰地方服务定位、优化组织架构强化战略引领;依托普惠型与场景化产品填补供给缺口;借助线上线下协同构建适老服务生态;通过完善风险定价与人才培育提升风控能力。研究旨在为城商行突破养老金融发展瓶颈、构建差异化竞争优势提供实践参考,同时助力我国多层次养老保障体系的地方落地。
Against the backdrop of the in-depth advancement of population aging and the accelerated development of the silver economy in China,city commercial banks(CCBs),as core financial forces serving local people̓s livelihoods and regional economies,developing pension finance is not only an inevitable requirement to respond to national strategies but also a key path to achieve their own differentiated transformation.This paper focuses on the pension finance business of CCBs,and systematically sorts out the problems faced by CCBs in the field of pension finance,such as vague strategic positioning,homogeneous product supply,insufficient age-appropriate services,and weak risk management,by combining existing literature and industry practices.These problems stem not only from CCBs̓insufficient awareness of the strategic value of pension finance but also from the lack of product innovation capabilities and professional service systems.On this basis,targeted strategies are proposed from four dimensions:strategic anchoring,product innovation,service optimization,and risk prevention and control:strengthening strategic leadership by clarifying local service positioning and optimizing organizational structure;filling the supply gap with inclusive and scenario-based products;building an age-appropriate service ecosystem through online-offline collaboration;improving risk control capabilities by optimizing risk pricing and talent cultivation.The research aims to provide practical references for CCBs to break through the bottlenecks in the development of pension finance and build differentiated competitive advantages,while helping the local implementation of China̓s multi-level pension security system.
作者
朱明
ZHU Ming(Chang̓an Bank,Xi̓an 710000,China)
关键词
城商行
养老金融
产品创新
适老化服务
风险管理
city commercial banks
pension finance
product innovation
age-appropriate services
risk management
