發(fā)布時間：2018-12-07 07:56

【摘要】：21世紀(jì)我國將迎來人口老齡化的浪潮,同發(fā)達(dá)國家相比,我國的老齡化具有許多特點,人口老齡化對我國經(jīng)濟(jì)社會發(fā)展的影響更為深遠(yuǎn)。 人是經(jīng)濟(jì)活動的基礎(chǔ),人口結(jié)構(gòu)的變化必然會對商業(yè)銀行的經(jīng)營管理產(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,分析了我國人口老齡化對商業(yè)銀行經(jīng)營管理帶來的影響,得出的結(jié)論是:老齡化會改變?nèi)藗兊膬π詈拖M(fèi)行為,從而使居民的儲蓄率下降,貸款需求放緩,這對于本身就已經(jīng)開始面對金融脫媒挑戰(zhàn)的商業(yè)銀行來說,無疑是一個雪上加霜的打擊。但挑戰(zhàn)的同時,又是一個機(jī)遇。老齡化社會催生了老年客戶和中端客戶對理財?shù)男枨?為商業(yè)銀行個人理財業(yè)務(wù)的發(fā)展提供了一個極好的機(jī)會。 從分析的結(jié)果出發(fā),本文提出了應(yīng)對的措施,認(rèn)為商業(yè)銀行應(yīng)該因時而變,進(jìn)行經(jīng)營轉(zhuǎn)型。把老年客戶和中端客戶作為新的利潤增長點,大力發(fā)展理財業(yè)務(wù),但同時也要做好風(fēng)險管理。
[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)位級別】：碩士
【學(xué)位授予年份】：2011
【分類號】：C913.6;F832.2

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