老龄化与资管新规背景下商业银行存款定期化研究

中图分类号：F83 文献标识码：A 文章编号：1004-0714（2026)02-0071-04

Research on the Term Deposit Trend of Commercial Banks under the Background of Aging Populationand New Asset Management Regulations

LIUYang,LIANGWanquan (SchoolofFinance,CapitalUniversityofEconomicsandBusiness,looo7o,Beijing,ina)

Abstract:This study examines the synergistic impact of population aging and the New Asset ManagementRegulations on thetransformationlof deposit structures in commercial banks.Findings indicate that population aging drives a shift toward more conservative risk preferences among households，thereby amplifying the rigiddemand for safe-haven assets.Concurrently，the New Asset Management Regulations have accelerated the reflow of capital into bank deposits by dismantling implicit guarantee mechanisms.Acting in concert，these forces have intensified the trend of deposit term elongation within commercial banks.This shift toward longer-term deposits elevates interest-bearing costs，compresses net interest margins,and exacerbates maturity mismatch risks.In light of these challenges，this paper proceeds to analyze strategic countermea sures fon commercial banks and puts forward pertinent recommendations.

Keywords:Population Aging;NewAsset ManagementRegulations;Commercial Bank;Term Deposit Lengthening

一、引言

近些年来，我国商业银行资产管理业务发展迅速，理财产品也变得更加多元化，以满足投资者不同的投资需求。（剩余8390字）