【摘要】：21世紀(jì)我國(guó)將迎來(lái)人口老齡化的浪潮,同發(fā)達(dá)國(guó)家相比,我國(guó)的老齡化具有許多特點(diǎn),人口老齡化對(duì)我國(guó)經(jīng)濟(jì)社會(huì)發(fā)展的影響更為深遠(yuǎn)。 人是經(jīng)濟(jì)活動(dòng)的基礎(chǔ),人口結(jié)構(gòu)的變化必然會(huì)對(duì)商業(yè)銀行的經(jīng)營(yíng)管理產(chǎn)生深遠(yuǎn)的影響。本文從理論出發(fā),以商業(yè)銀行的三大業(yè)務(wù)為主線,分析了我國(guó)人口老齡化對(duì)商業(yè)銀行經(jīng)營(yíng)管理帶來(lái)的影響,得出的結(jié)論是:老齡化會(huì)改變?nèi)藗兊膬?chǔ)蓄和消費(fèi)行為,從而使居民的儲(chǔ)蓄率下降,貸款需求放緩,這對(duì)于本身就已經(jīng)開(kāi)始面對(duì)金融脫媒挑戰(zhàn)的商業(yè)銀行來(lái)說(shuō),無(wú)疑是一個(gè)雪上加霜的打擊。但挑戰(zhàn)的同時(shí),又是一個(gè)機(jī)遇。老齡化社會(huì)催生了老年客戶(hù)和中端客戶(hù)對(duì)理財(cái)?shù)男枨?為商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展提供了一個(gè)極好的機(jī)會(huì)。 從分析的結(jié)果出發(fā),本文提出了應(yīng)對(duì)的措施,認(rèn)為商業(yè)銀行應(yīng)該因時(shí)而變,進(jìn)行經(jīng)營(yíng)轉(zhuǎn)型。把老年客戶(hù)和中端客戶(hù)作為新的利潤(rùn)增長(zhǎng)點(diǎn),大力發(fā)展理財(cái)業(yè)務(wù),但同時(shí)也要做好風(fēng)險(xiǎn)管理。
[Abstract]:In the 21st century, China will usher in the tide of population aging. Compared with the developed countries, the aging of our country has many characteristics, and the effect of population aging on the economic and social development of our country is more far-reaching. Human being is the foundation of economic activities, and the change of population structure will have a profound influence on the management of commercial banks. Starting from the theory and taking the three major business of commercial banks as the main line, this paper analyzes the influence of aging population on the management of commercial banks, and draws the conclusion that aging will change people's savings and consumption behavior. As a result, the savings rate of residents has fallen and the demand for loans has slowed, which is an even worse blow for commercial banks, which are already facing the financial disintermediation challenge. But at the same time, the challenge is an opportunity. The aging society has given birth to the demand for financial management of the aged and middle customers, which provides an excellent opportunity for the development of the personal finance business of commercial banks. Based on the results of the analysis, this paper puts forward some countermeasures, and points out that commercial banks should change from time to carry out business transformation. Taking the aged customer and the middle end customer as the new profit growth point, develop the financial management business vigorously, but also should do the risk management well at the same time.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類(lèi)號(hào)】：C913.6;F832.2

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