Analysis of Digital Finance Driving Product Differentiation and Innovation in Personal Pension Products

Qiaohui Sun; Xiaoli Wang; Yang Qin; Xueying Han; Guoqing Chen

doi:10.47297/wspdecWSP2515-797314.20250909

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Analysis of Digital Finance Driving Product Differentiation and Innovation in Personal Pension Products

9卷第9期

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Analysis of Digital Finance Driving Product Differentiation and Innovation in Personal Pension Products
Analysis of Digital Finance Driving Product Differentiation and Innovation in Personal Pension Products
School of Finance, Chengdu Jincheng College, Chengdu, Sichuan, 611731, China
2025年9卷第9期页码：65-70
纸质出版：2025-09-30
DOI：10.47297/wspdecWSP2515-797314.20250909
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Qiaohui Sun, Xiaoli Wang, Yang Qin, Xueying Han & Guoqing Chen. (2025). Analysis of Digital Finance Driving Product Differentiation and Innovation in Personal Pension Products. 发展经济学, 9(9), 65-70.

Sun Qiaohui,Wang Xiaoli,Qin Yang,et al.Analysis of Digital Finance Driving Product Differentiation and Innovation in Personal Pension Products[J].Development Economics of China,2025,09(09):65-70.
Qiaohui Sun, Xiaoli Wang, Yang Qin, Xueying Han & Guoqing Chen. (2025). Analysis of Digital Finance Driving Product Differentiation and Innovation in Personal Pension Products. 发展经济学, 9(9), 65-70. DOI： 10.47297/wspdecWSP2515-797314.20250909.

Sun Qiaohui,Wang Xiaoli,Qin Yang,et al.Analysis of Digital Finance Driving Product Differentiation and Innovation in Personal Pension Products[J].Development Economics of China,2025,09(09):65-70. DOI： 10.47297/wspdecWSP2515-797314.20250909.

摘要

Abstract

The current personal pension market is plagued by significant product homogeneity

which is manifested in convergent investment strategies

an imbalanced distribution of risk levels

uniform product structures and functions

and vague target customer segmentation. In response to these issues

digital finance can enable differentiation through precise customer profiling based on big data

provide personalized asset allocation via robo-advisors

and leverage blockchain technology to optimize services and risk control. To advance this process

it is recommended to build a "data middle office" to drive agile product iteration

establish a professional "pension advisory brand" to enhance service value

and pilot the application of innovative technologies such as blockchain through a "regulatory sandbox" model

thereby providing new momentum for the healthy development of the personal pension market.

关键词

Keywords

references

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Zhu Wenpei & Lin Yi . ( 2024 ). Research on Pension Finance Innovation and Optimization of the Personal Pension System . Journal of Yunnan University of Finance and Economics , ( 5 ), 35 - 52 .

Jia Liping . ( 2025 ). Multidimensional Challenges and Optimization Strategies for the Comprehensive Implementation of the Personal Pension System: From an International Perspective . On Economic Problems , ( 3 ), 42 - 50 .

Kang Rui . ( 2024 ). The Evolution of Personal Pensions: Development History, Reflections on Patterns, and Trend Analysis . Contemporary Financial Research , ( 8 ), 62 - 73 .

Shi Jingjinget al . ( 2024 ). Application of FinTech in Innovation of Interbank Market Products and Trading Mechanisms . China Money , ( 11 ), 8 - 13 .

Zhang Yifan & Lu Minfeng . ( 2024 ). Research on the Mechanism of Digital Finance in Enhancing New Quality Financial Productivity . Henan Social Sciences , 32 ( 05 ), 74 - 84 .

Asset Management Association of China . ( 2025 ). Survey Report on Young Adults' Investment Behavior in Personal Pensions [R/OL ] . Retrieved October 28 , 2025 , from.

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