China's population aging degree continues to deepen,and the first pillar of basic pension insurance is facing more and more serious imbalance of income and expenditure.In the case of the second pillar supplementary pension role unconspicuous,the development of the third pillar personal pension business is imminent.With the beginning of China's personal pension business in the state-owned commercial banks pilot,China's commercial banks have policy opportunities and a series of challenges.This paper combines with China's personal pension business development background,personal pension business experience in Japanese banking industry,puts forward relevant suggestions for the development of personal pension business of China's commercial banks.
commercial banksthe third pillar individual pensionpension finance
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