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商业银行适老化金融服务优化提升对策研究

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针对我国面临的老龄化问题,二十大报告明确提出必须努力深化养老行业和相关产业的发展,持续优化养老服务机制,确保每一个老年人都能够获得基础的养老设施和服务.商业银行面对老年金融服务需求的日益增加,应确保相关养老政策得到精准有力的落实,进一步优化适老化金融产品的创新体系,发展和丰富适老化服务营销渠道,持续优化和完善适老化金融服务设施,从而提升养老金融服务水平,增强老年人的生活幸福感和安全感.
Research on Strategies of Optimization and Improvement of Financial Services for the Elderly in Commercial Banks
In response to the aging problem in China,the 20th National Congress of the Party report clearly stated that efforts must be made to deepen the development of the elderly-care industry and related industries,continuous-ly optimize the elderly-care service mechanism,in order to ensure that every old person can access basic elderly-care facilities and services.In the face of the increasing demand for financial services for the elderly,commercial banks should ensure the accurate and effective implementation of relevant pension policies,further optimize the in-novation system of financial products suitable for the elderly,develop and enrich the marketing channels of financial services suitable for the elderly,and continuously optimize and improve the financial services facilities suitable for the elderly,so as to improve the level of financial services for the elderly and enhance the sense of happiness and security of the elderly.

commercial banksuitable for agingfinancial service

刘欣

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长春大学 经济学院,长春 130022

商业银行 适老化 金融服务

2025

长春大学学报
长春大学

长春大学学报

影响因子:0.34
ISSN:1009-3907
年,卷(期):2025.35(1)
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