浅析人口老龄化对商业银行的影响及对策

摘要

With the development of China's economy, people's living standards and health standards improve, the population average life expectancy is increasing, and the family planning measures to reduce the birth rate, the population age structure formed a relative increase of elderly population, structural changes in juvenile population decreases, thus appeared the trend of population aging. With the aging of the population to accelerate the arrival of the existing development pattern, commercial banks will inevitably be affected, therefore, commercial banks need to correctly grasp the characteristics of the development trend, China's aging population and the inlfuence on the operation and development of the industry, forward-looking development strategy to adjust, lfexible response to population aging due to challenges.%随着我国经济的发展、人民生活水平和医疗卫生水平的改善，人口平均寿命不断增长，加之计生措施降低了出生率，使人口年龄构成形成了老年人口相对增加，少年人口相对减少的结构性变化，从而出现人口老龄化的发展趋势。随着人口老龄化的加速到来，现有商业银行的发展模式必然会受到冲击，因此，商业银行需要正确把握我国人口老龄化的发展趋势、特点以及对本行业经营发展的影响，前瞻性地调整发展战略，以灵活应对人口老龄化引致的挑战。