金融科技对商业银行养老金融的助力及发展策略  

The Assistance and Countermeasures of Applying Fintech in Commercial Bank's Pension Finance

作　　者：刘润心 邱格磊[1] LIU Runxin;QIU Gelei(Institute of Finance,Fujian Jiangxia University,Fuzhou 350108,China)

机构地区：[1]福建江夏学院金融学院,福建福州350108

出　　处：《三明学院学报》2022年第5期30-38,共9页Journal of Sanming University

基　　金：福建省社科基地重大项目(FJ2020MJDZ047);福建省社科规划青年项目(FJ2020C060);福建省教育厅中青年教师教育科研项目(社科类)(JAS20201);福建江夏学院校级科研人才培育项目(JXS2019013)。

摘　　要：金融科技是商业银行未来的发展方向。将金融科技应用于养老金融,能帮助商业银行突破资产管理能力不足、养老金融服务和产品不完善、养老产业金融规模小等难点。但目前,商业银行的金融科技发展面临人才缺乏、数据和技术共享难、潜在风险防范不足、技术不完善等问题,影响了金融科技在养老金融领域的应用。对此,商业银行应加强人才培养,与各类机构共享数据、发展科技,制定并执行新的内部管理规范。政府则应加大对金融科技及基础设施的投入,推动行业统一标准的建立。Fintech is the future trend of commercial banks.By applying fintech into pension finance,the difficulties faced by commercial banks in developing pension finance can be solved,such as weak assets-management ability,imperfect financial services and products for the aged and small scale pension industry finance.However,the development of fintech in commercial banks is currently facing problems including lacking talents,difficulties in sharing data and technology,weak risk prevention measures,and imperfect technology,which affect the application of financial technology in the field of pension finance.Accordingly,commercial banks should foster talents,cooperate with various institutions to share data and develop technology,and formulate appropriate interior regulation system.The government should increase investment in fintech development and infrastructure construction,and push forward the establishment of industrial standard.

关 键 词：养老金融 金融科技 商业银行 

分 类 号：F832.33[经济管理—金融学]