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当前,我国人口老龄化程度越来越高。据专家预测,到2020年,我国60岁以上老年人口将占总人口的16.7%,65岁以上老年人口将占总人口的11.5%;到2050年的百分比分别为29.9%和22.7%。老年人的养老、配偶等问题,成为社会关注的焦点,而其理财问题却始终是一个盲区。事实上,老年人的理财需求相当旺盛。有权威报告显示,老年人比年轻人更关注理财信息,但这个人群并没成为银行理财的主攻对象。虽然老年群体大多数是中小客户,但他们人数众多,且有稳定的收入,因此老年人理财市场有着相当大的潜力。
At present, the degree of population aging in our country is getting higher and higher. According to experts, by 2020, China’s elderly population over the age of 60 will account for 16.7% of the total population, and those over the age of 65 will account for 11.5% of the total population. By 2050, the percentage will be 29.9% and 22.7% respectively. Elderly pension, spouse and other issues, has become the focus of attention of the community, but its financial problems has always been a blind spot. In fact, the financial needs of the elderly are quite strong. Authoritative reports show that the elderly are more concerned about the wealth management information than the young people, but this crowd has not become the main target of the bank’s financial management. Although the majority of older people are small and medium-sized clients, they are large and have stable incomes and therefore have a considerable potential for the wealth management market for the elderly.