Exploration of Practical Mechanisms and Paths for Commercial Banks to Assist the Development of Silver Hair Economy in Sichuan

Maojia Peng; Yan Wang; Lehan Ren; Jiahui Hao; Guoqing Chen

doi:10.47297/wspceWSP2516-251910.20261001

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Exploration of Practical Mechanisms and Paths for Commercial Banks to Assist the Development of Silver Hair Economy in Sichuan

Volume 10, Issue 1

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Exploration of Practical Mechanisms and Paths for Commercial Banks to Assist the Development of Silver Hair Economy in Sichuan
Exploration of Practical Mechanisms and Paths for Commercial Banks to Assist the Development of Silver Hair Economy in Sichuan
School of Finance, Chengdu Jincheng College, Chengdu, Sichuan, 611731, China
Vol. 10, Issue 1, Pages: 52-56(2026)
Published：28 February 2026
DOI：10.47297/wspceWSP2516-251910.20261001
Accepted：

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Peng Maojia,Wang Yan,Ren Lehan,et al.Exploration of Practical Mechanisms and Paths for Commercial Banks to Assist the Development of Silver Hair Economy in Sichuan[J].Creative Economy,2026,10(01):52-56.
DOI：

Peng Maojia,Wang Yan,Ren Lehan,et al.Exploration of Practical Mechanisms and Paths for Commercial Banks to Assist the Development of Silver Hair Economy in Sichuan[J].Creative Economy,2026,10(01):52-56. DOI： 10.47297/wspceWSP2516-251910.20261001.

摘要

Abstract

Population aging has become a fundamental national condition that China must confront in its modernization process. As a province with a high aging rate

Sichuan Province faces a large elderly population and accelerated aging

making the development of the silver economy both urgent and unique. Commercial banks

as the core force of the financial system

bear significant responsibilities in serving the high-quality development of the silver economy. Based on the actual foundation of Sichuan's silver economy development

this paper systematically analyzes the particularities of financial service demands and pension industry financing needs among the elderly population. It further explores practical mechanisms for commercial banks to support the silver economy through three dimensions: innovation in age-friendly services

construction of a pension ecosystem

and empowerment through digital and intelligent transformation. The paper proposes actionable recommendations including deepening niche market penetration

strengthening industrial financial support

enhancing cross-sector collaboration

and fortifying risk prevention measures

aiming to provide references for commercial banks to play a greater role in regional silver economy development.

关键词

Keywords

references

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