摘 要

目前，我国人口老龄化特别严重，老年群体数量基数日益庞大，养老问题成为社会热点，养老金融市场发展空间很大，商业银行做好战略部署，进攻养老金融市场。本文针对镇江农商银行为例，探究了目前发展的现状，将农商行的养老金融发展分为企业养老金融和个人养老金融产品，企业方面主要有养老金托管和年金计划，个人养老金融产品则包含了养老贷及养老按揭产品，老年专属理财产品以及老年专属卡等，提出了其中存在的问题，也分为企业养老金融和个人养老金融，如企业的养老金托管和年金覆盖率不高，盈利渠道较少等；而个人养老金融则面临模式零散化，产品创新发展缓慢以及缺乏高精尖专业人才等。并给出了相应的解决措施，如加强养老资产管理，提高养老金托管以及年金覆盖率等，从而就农商银行更好地发展养老金融业务提供了借鉴作用。

关键词：农商银行；养老金融；业务模式

Abstract

Facing the increasing aging trend of the population in China,commercial banks should seize the opportunity and actively deploy the pension financial business market. This article takes Zhenjiang Rural Commercial Bank as theresearch object and analyzes its current development status. According to its characteristics,the pension finance of rural commercial banks is mainly divided into two types, one is corporate pension finance and the other is personal pension financial product. Enterprises mainly have pension custody and annuity plans,and personal pension financial products It includes pension loans and mortgage products, senior wealth management products and senior card, etc. It raises the problems,and is also divided into corporate pension finance and personal pension finance, such as corporate pension custody and annuity coverage is not high , Less profitable channels, etc .; and personal pension finance is faced with fragmented models,slow product innovation development, and a lack of highly skilled professionals. Corresponding solutions are given,such as strengthening pension asset management, improving pension custody and annuity coverage, etc., thus providing a reference for rural commercial banks to better develop pension financial services.

Keywords: Rural Commercial Bank;Pension Finance ;Business Model