基于SWOT-PEST分析ChatGPT对养老服务金融的影响机制
The Impact Mechanism of ChatGPT on Financial Services for the Elderly Based on SWOT-PEST Analysis

随着全球范围内老年人口比例持续增长这一明显趋势，金融作为调配资源的核心机制，其重要性日益上升。为应对老龄化挑战，养老金融作为关键策略组成部分出现，目标是优化资源配置、强化养老保障框架、有效风控，从而为养老行业的稳定发展提供强大支撑。在此大环境下，金融科技领域，特别是以人工智能技术(特别是类似ChatGPT的创新)为引领的变革，为养老金融服务的转型升级探索了新方向。本文运用SWOT与PEST综合分析框架，探讨ChatGPT技术如何改进养老金融服务，旨在推动其在该领域的深化应用。
With the clear trend of the proportion of older people continuing to grow globally, the importance of finance as a central mechanism for the deployment of resources is increasing. In response to the challenges of aging, pension finance has emerged as a key strategic component with the goal of optimizing resource allocation, strengthening the pension protection framework, and effective risk control, thereby providing strong support for the stable development of the pension industry. In this environment, changes in the field of FinTech, especially those led by AI technologies (especially ChatGPT-like innovations), have explored new directions for the transformation and upgrading of pension financial services. Using a comprehensive SWOT and PEST analysis framework, this paper explores how ChatGPT technology can improve pension financial services, aiming to promote its deeper application in this field.