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中国建设银行养老金融发展的案例分析

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2023年中央金融工作会议将养老金融作为五篇大文章之一.中国建设银行养老金融业务是在国家政策引导和市场需求推动下,不断探索创新和全面发展的典型代表.其养老金融业务历经了初创探索、开拓创新、多元发展等阶段,具有范围广泛、规模庞大、质量优良、创新突出等独特的业务特点,并通过业务渠道、声誉渠道及创新渠道拓宽了盈利增长点.但是,在业务模式、考核方式、教育宣传、发展结构及风险管理等方面还存在一些问题.因此,需要完善服务体系、加强金融教育、推进资源共享,促进我国养老金融产业发展,实现金融助力老有所依.
China Construction Bank Pension Finance Development Case Analysis
The Central Financial Work Conference in 2023 will take pension finance as one of the five major articles.The pension finance business of China Construction Bank is a typical representative of continuous exploration,innovation and all-round development under the guidance of national policies and driven by market demand.Its pension finance business has gone through the stages of start-up exploration,pioneering and innovation,and diversified development,and has unique business characteristics such as wide scope,large scale,excellent quality and outstanding innovation,and has broadened the profit growth point through business channels,reputation channels and innovation channels.However,there are still some problems in the aspects of business model,assessment method,education and publicity,development structure and risk management.Therefore,we need to improve the service system,strengthen financial education,promote the sharing of resources,promote the development of China's pension finance industry,and realize financial assistance for the elderly.

pension financeChina Construction Bankthree pillars

戴序、邵寒驰、安莹、史佳慧

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吉林财经大学金融学院,吉林长春 130117

养老金融 中国建设银行 三大支柱

2024

吉林金融研究
中国人民银行长春中心支行

吉林金融研究

CHSSCD
影响因子:0.418
ISSN:1009-3109
年,卷(期):2024.(1)
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