Research on the development of pension finance business of commercial banks in the digital era
数字化时代商业银行养老金融业务发展研究

摘要

随着人口老龄化进程的加快，养老金融业务成为商业银行的重要发展方向。在数字化时代，信息技术的迅猛发展为养老金融服务的创新提供了新的机遇，数字化不仅可以提升业务效率，还能通过精准的数据分析，为老年客户提供个性化的金融产品和服务，满足其多层次、多样化的需求。基于此，本文对数字化时代商业银行养老金融业务发展存在的问题进行分析，并针对问题提出解决方案，旨在为商业银行在数字化时代下优化养老金融业务提供理论参考和实践指导。

Abstract

As the aging population accelerates, elderly financial services have become a crucial direction for commercial banks. In the digital age, the rapid development of information technology has provided new opportunities for innovation in elderly financial services. Digitalization not only enhances business efficiency but also enables precise data analysis to offer personalized financial products and services to senior customers, meeting their multi-level and diverse needs. Based on this, this paper analyzes the issues faced by commercial banks' elderly financial services in the digital era and proposes solutions to these problems, aiming to provide theoretical references and practical guidance for optimizing elderly financial services in the digital age.