首页|商业银行助力银发经济高质量发展路径探析——基于养老产业发展视角

商业银行助力银发经济高质量发展路径探析——基于养老产业发展视角

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中国老龄化趋势不可避免,并且程度将愈发严重,而当前银发经济无论在需求还是供给端均存在不平衡情况.商业银行作为金融强国建设重要参与者,在推动银发经济尤其是养老服务产业高质量发展方面应投入更多的资源,这不仅是践行金融工作政治性、人民性的必要举措,更是实现自身可持续发展的有效路径.本文从养老金融推动养老需求有效性的提升、针对不同养老形式提供个性化的金融服务、发挥金融科技力量、组建同业联盟、培养专业队伍等方面提出建议,以期为金融服务促进养老产业高质量发展提供参考.
Exploration of the Path of Commercial Banks to Promote the High-Quality Development of the Silver Economy——From the Perspective of the Development of the Elderly Care Industry
The inevitable trend of population aging in China is becoming increasingly severe,and the imbal-ance between demand and supply in the silver economy is evident.Commercial banks,as important participants in the construction of a financial powerhouse,should allocate more resources to promoting the silver economy,espe-cially the elderly care service industry.This is not only a necessary measure to practice the political and people-oriented nature of financial work,but also an effective way to achieve their own sustainable development.This arti-cle proposes suggestions from the following aspects:promoting the effectiveness of aging finance to drive demand,formulating targeted financial services for different forms of elderly care,giving full play to the power of Fintech,forming interbank alliances,and cultivating professional teams.These measures aim to promote the high-quality development of the elderly care industry through financial services.

silver economypopulation agingaging financeelderly care industryelderly care serviceinte-grated medical and elderly care servicewealth managementsmart senior care

朱春华、史晓丹

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招商银行福州分行 福建福州 350009

福建省委党校经济学教研部 福建福州 350108

银发经济 人口老龄化 养老金融 养老产业 养老服务 医养结合 财富管理 智慧养老

国家社会科学基金一般项目

20BSH109

2024

西南金融
四川省金融学会

西南金融

CHSSCD北大核心
影响因子:0.821
ISSN:1009-4350
年,卷(期):2024.(7)
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