互联网养老理财产品对养老金融的影响研究
Research on the Impact of Internet Pension Financial Products on Pension Finance

中国已正式进入中度老龄化社会，这一趋势对传统、单一的养老保障体系提出了严峻挑战，发展多层次、多支柱的养老金融体系成为必然。养老理财产品作为养老体系第三支柱的工具，因其灵活性和收益性而备受关注。本文以建信理财的养老理财试点产品为案例，深入分析“安享固收类封闭式养老理财产品2021年第一期”的设计特点与创新实践，展示了金融机构在养老金融领域的创新能力。案例采用PEST分析法，从政策、经济、社会和技术四个维度评估了建信理财养老理财业务的外部环境与内部发展动力。研究结果表明，建信理财的养老理财产品在市场上表现稳健，在长期资金管理、风险控制及客户服务方面具有显著优势，并对比分析其在互联网养老理财产品中的优势与不足，这一对比分析不仅为未来的业务优化提供了方向，同时也为整个行业的均衡发展提供了借鉴。本文的研究为养老金融的可持续发展提供了理论支持和实践参考，对推动中国养老金融行业的健康、均衡发展具有一定意义。
China has officially entered a moderately aging society, a trend that poses a serious challenge to the traditional single-pillar pension security system, and the development of a multi-level, multi-pillar pension financial system has become inevitable. As a tool for the third pillar of the pension system, pension financial products have attracted much attention due to their flexibility and profitability. Taking the pilot pension financial product of Jianxin Wealth Management as a case study, this paper analyzes the design features and innovative practices of “Anxiang Fixed Income Closed-end Pension Financial Product 2021 Phase I”, which demonstrates the innovation ability of financial institutions in the field of pension finance. The case uses PEST analysis to evaluate the external environment and internal development dynamics of CCB’s pension finance business from four dimensions: political, economic, social and technological. The results of the study show that CCB Wealth Management’s pension finance products have solid market performance and significant advantages in long-term fund management, risk control and customer service, as well as a comparative analysis of its advantages and disadvantages in Internet pension finance products. This comparative analysis not only provides a direction for future business optimization, but also provides a reference for the balanced development of the whole industry. The research in this paper provides theoretical support and practical reference for the sustainable development of pension finance, and is of some significance in promoting the healthy and balanced development of China’s pension finance industry.