I浅谈商业银行养老金融业务的困境与出路--以中国建设银行为例摘 要养老需求日益严峻的人口老龄化趋势对养老保障制度提出了严峻的挑战。与此同时，老龄化趋势推动养老服务产业发展，催生养老金融的新需求。发展养老金融业务是商业银行适应市场需求，实现业务转型的重要手段。养老金融具有规模发展快速，客户和资金稳定性高的特点，商业银行可以利用其信誉度高、网点广泛等特点，提前布局养老金融，抓住市场先机。因此，本文以中国建设银行为例进行了详细探讨。关键词：商业银行业务；养老金融；人口老龄；中国建设银行IIAbstractThe aging trend of the aging population has posed a serious challenge to the pension security system. At the same time, the aging trend promotes the development of the old-age service industry and the new demand for old-age finance. The development of old-age financial services is an important means for commercial Banks to adapt to market demands and realize business transformation. Pension financial scale rapid development, the customer and capital of the characteristics of high stability, commercial Banks can use its high reputation and wide network, early pension financial layout, seize market opportunities. Therefore, this paper takes China construction bank as an example to carry on the detailed discussion.Key words: commercial banking; Pension finance; Population ageing; China construction bankIII目 录摘 要....................................................IAbstract.................................................II一、 研究背景、目的与意义.................................1（一）研究背景.........................................1（二）研究目的.........................................2（三）研究意义.........................................2二、 中国建设银行养老金融业务的现状与困境分析.............3（一）中国建设银行养老金融业务的现状...................3（二）养老金融产品具体现状.............................5三、 中国建设银行养老金融存在的困境分析.............
