金融科技助力商业银行养老金融业务发展现状及路径研究  

Research on the Development Status and Path of Pension Finance Business of Commercial Banks Assisted by Financial Technology

作　　者：林怡然 周毅锋 陈丽婧 LIN Yiran;ZHOU Yifeng;CHEN Lijing(Agricultural Bank of China Zhangzhou Longhai Branch,Zhangzhou,Fujian 363100)

机构地区：[1]中国农业银行股份有限公司漳州龙海支行,福建漳州363100

出　　处：《中国商论》2024年第11期113-117,共5页China Journal of Commerce

摘　　要：当前,人口老龄化已成为中国社会发展的必然趋势,而且是我国今后较长一个时期的基本国情。本文以金融科技助力商业银行养老金融业务发展为视角,从宏观和微观两个层面分析当前发展现状及存在的问题,进一步探讨金融科技与商业银行养老金融业务发展的内在影响机制,并在此基础上提出了相应的政策建议,以供参考。Currently,population aging has become an inevitable trend in China's social development and a fundamental national condition for the foreseeable future.This article examines the development of pension finance business in commercial banks through the lens of fi nancial technology.It analyzes the current development status and existing problems from both macro and micro perspectives.Furthermore,it explores the intrinsic impact mechanisms between financial technology and the development of pension finance business in commercial banks.Based on these analyses,the article proposes corresponding policy recommendations for reference.

关 键 词：人口老龄化 金融科技 商业银行 养老金融 智慧养老 

分 类 号：F832.33[经济管理—金融学]