The introduction of the personal pension policy provides a fair track for banks,insurance,wealth management,brokers,funds and other diversified financial institutions to participate in the operation of pension finance,but the functional role that financial institutions should play in the operation of personal pension is still unclear.Starting from the concept of personal pension finance,this paper studies the functional positioning of financial institutions in the personal pension operation process relying on their core competitive advantages through the analytical framework of financial operation models such as organizational structure,product and ser-vice,channel delivery,and asset-liability matching,and analyzes the advantages and disadvantages of the busi-ness operation of each financial institution.The shared business paradigm is to generate synergistic governance effects through the interconnection of operation processes,build an industrial ecosystem of personal pensions,and put forward the institutional basis and policy support measures to promote the sustainable development of individual pension platforms.
关键词
数字经济/个人养老金金融/平台化转型/产业生态圈构造/养老产业/养老金平台
Key words
Digital economy/Personal pension finance/Platform transformation/Industrial ecosystem structure/Pension industry/Pension platform
维普
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