Population Aging and the Financial Institution’s Innovation of Financial Instruments in China

摘要

Population aging has become a great challenge during the development of our country’s economy and society in the new century．Because the population aging will influence the deposit,the capital market enormously,so it would affect the financial institution’s sustainable development．This paper analyzed the influence of population aging on the financial instrument first,and then drew the conclusion that in order to solve this problem,carrying on the innovation and design of financial instruments will be a win-win choice．Thus，the financial iustitution can obtain both new profit sources and the competitive advantage，while meeting the senior citizen’s financial needs．