商业银行参与“养老一族”财富管理的思考  

Thoughts on Elder Wealth Management

作　　者：李伏安[1] Li Fu'an(Party Secretary and Chairman of China Bohai Bank)

机构地区：[1]渤海银行股份有限公司党委

出　　处：《中国银行业》2021年第3期10-13,6,共5页China Banking

摘　　要："养老一族"的财富管理问题既是庞大的社会问题,也是充满着机遇的蓝海市场;既是金融市场和经济市场,也是消费市场和生产市场。各大商业银行应该利用自身优势,以客户需求为中心,推动养老金融产品和服务发展转型,在养老金融领域积极参与竞争,提升自身盈利能力。Elder wealth management is a new issue that needs to be faced squarely in an aging society.For commercial banks,this is not only a huge social problem,but also a blue ocean market full of opportunities;this is not only about financial market and economic market,but also about consumer market and production market.This article points out that the new changes in the demand for elderly care have diversified wealth management needs.In particular,security issue for large assets is becoming prominent.More professional and attentive service is needed to help elders preserve and appreciate their wealth,which provides broad prospect for commercial banks to carve out wealth management business.

关 键 词：商业银行 蓝海市场 养老金融 金融市场 盈利能力 金融产品和服务 发展转型 管理的思考 

分 类 号：F83[经济管理—金融学]