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人口老龄化的日趋深化,将对我国社会经济各领域的发展产生广泛而深远的影响,商业银行作为经济金融的核心组成部分,其受到的影响也是巨大的。我国商业银行要在激烈的竞争中谋求发展,...
人口老龄化的日趋深化,将对我国社会经济各领域的发展产生广泛而深远的影响,商业银行作为经济金融的核心组成部分,其受到的影响也是巨大的。我国商业银行要在激烈的竞争中谋求发展,就要加快金融产品创新的步伐,提高商业银行的核心竞争力。 本文主要从我国商业银行金融产品创新的现状及存在的问题入手,提出相关对策。商业银行要立足于以人为本的原则,把老年客户作为新的利润增长点,大力发展相关金融产品创新,并同时做好风险管理,使得商业银行的金融产品的创新与当代老龄化的社会相适应。
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人口老龄化的日趋深化,将对我国社会经济各领域的发展产生广泛而深远的影响,商业银行作为经济金融的核心组成部分,其受到的影响也是巨大的。我国商业银行要在激烈的竞争中谋求发展,就要加快金融产品创新的步伐,提高商业银行的核心竞争力。 本文主要从我国商业银行金融产品创新的现状及存在的问题入手,提出相关对策。商业银行要立足于以人为本的原则,把老年客户作为新的利润增长点,大力发展相关金融产品创新,并同时做好风险管理,使得商业银行的金融产品的创新与当代老龄化的社会相适应。
Deepening the aging of the population, will have a extensive and far-reaching impact on the development of the field of the social economy of our country, the commercial banks as the core of economic and financial part, its impact is enormous. China's commercial banks to seek development in the fierce competition, we must speed up the pace of financial product innovation, enhance the core competitiveness of commercial banks. This paper mainly from the current situation of financial product innovation of commercial banks in China and the existing problems, puts forward the related countermeasure. Commercial banks should be based on the principle of people-oriented, the old customer as a new profit growth point, vigorously develop the financial product innovation, and at the same time, risk management, which adapt to commercial bank's financial product innovation and the aging society.
Deepening the aging of the population, will have a extensive and far-reaching impact on the development of the field of the social economy of our country, the commercial banks as the core of economic and financial part, its impact is enormous. China's commercial banks to seek development in the fierce competition, we must speed up the pace of financial product innovation, enhance the core competitiveness of commercial banks. This paper mainly from the current situation of financial product innovation of commercial banks in China and the existing problems, puts forward the related countermeasure. Commercial banks should be based on the principle of people-oriented, the old customer as a new profit growth point, vigorously develop the financial product innovation, and at the same time, risk management, which adapt to commercial bank's financial product innovation and the aging society.
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