尊老敬老的孝文化是儒家思想的重要组成部分,因此,几千年来以“养儿防老”为主要特点的家庭养老模式较好地解决了我国的养老问题。随着我国经济金融和社会保障体系的发展以及人口老龄化的进一步加剧,中国的养老模式正在发生剧烈的变革。这将给金融领域带来一次“前所未有”的变革,将会深刻影响未来中国金融市场结构和商业银行的改革与发展。 Therefore, the model of family support for the elderly, whose main feature is “raising children and preventing old age”, has solved the problem of providing for the aged in our country well. With the development of China’s economic, financial and social security system and the further aging of the population, the pension system in China is undergoing drastic changes. This will bring a “unprecedented” change in the financial sector and will profoundly affect the future reform and development of China’s financial market structure and commercial banks.