How Rural Commercial Banks Do A Good Job in Pension Finance From the Perspective of Consumer Behavior
The trend of population aging is accelerating,and providing good services for the happy life of the elderly in their later years has become a hot topic of con-cern throughout the country.Pension finance has been listed as one of the five major articles by the government to study the development strategy of pension finance from a more detailed and in-depth perspective,which is timely and meaningful.Through research,it has been found that the elderly population in the new era has consumption behavior characteristics such as relatively rational consumption,pur-suit of quality life,significant urban-rural consumption differences,strong willing-ness to consume across generations,increased internet addiction,and strong ability to accept new things.The development of elderly care finance in rural commercial banks in the new stage is facing problems and pain points such as limited release of financial needs for the elderly,insufficient financial literacy,lack of supply of elder-ly care products,single elderly care industry model,and weak awareness of elderly care planning.To develop high-quality pension finance,Agricultural and Commer-cial Bank of China should combine its own advantages and disadvantages,leverage strengths and avoid weaknesses,adapt to local conditions,and use the"six modern-izations"strategy of"strategic,professional,distinctive,digital,ecological,and e-motional"to improve strategic positioning,enhance customer trust,strengthen in-herent advantages,empower service quality and efficiency,enrich application sce-narios,and enhance customer stickiness.Relevant research can provide important references for small and medium-sized banks such as rural commercial banks to promote high-quality development of pension finance.
Elderly Care ServicesFinancePension FinanceAging PopulationCon-sumer Behavior
万方数据
维普
