商业银行发展养老金融的策略研究  

Strategies of Pension Finance Development in Commercial Banks

作　　者：崔香芬[1] 崔芬丽 梅华斌 CUI Xiangfen;CUI Fenli;MEI Huabin(School of Marxism, Wuxi Institute of Technology, Wuxi 214121, China;Department of Science and Industry, Wuxi Institute of Technology, Wuxi 214121, China;Jiangsu Zijin Rural Commercial Bank CO., LTD, Nanjing 210019, China)

机构地区：[1]无锡职业技术学院马克思主义学院,江苏无锡214121 [2]无锡职业技术学院科技产业处,江苏无锡214121 [3]江苏紫金农村商业银行股份有限公司,江苏南京210019

出　　处：《无锡职业技术学院学报》2019年第3期47-49,共3页Journal of Wuxi Institute of Technology

基　　金：江苏省高校哲学社会科学研究一般项目“社会共治视角下社区养老服务能力建设与政策选择”(2015SJB360);无锡市科协软科学研究资助课题“新时代高职教育服务地方经济发展能力研究”(KX-18-B18)

摘　　要：我国养老金融理论研究尚处于起步阶段,银行发展养老金融实践面临政策偏宏观、实际落地困难以及企业融资渠道单一等一系列问题。在价值考量层面,商业银行发展养老金融亟须实现发展导向的、积极发展型模式。因此,文章建议主要做好以下四方面工作:完善顶层设计;实现商业银行切入养老产业的本源回归;积极探索区块链技术应用和实践;努力做好“最后一公里”服务。At present, there are several problems in the development of pension finance such as policy oriented to macro, hard landing, and single financing channel, etc. In terms of value consideration, it is urgent for the commercial banks to realize the positive and developmental mode in the development of pension finance. Therefore, the following aspects are suggested for the banks to do: Firstly, improve the top-level design;Secondly, realize the return of commercial banks to the pension industry. Thirdly, actively explore the application and practice of block chain technology. Finally, strive to provide the "last kilometer** service.

关 键 词：商业银行 养老金融 发展策略 

分 类 号：F832.2[经济管理—金融学]