浅析老年人旅游市场的营销策略

"灰发旅游"既是我国旅游业的一项空白,又是一个潜在旅游客源市场。如何开发老年旅游市场已成为我国旅游业发展中一个重要的研究课题。本文从分析老年旅游市场开发的可行性条件人手,探讨老年人的消费心理,提出开发符合我国国情和老龄群体特点的旅游产品和营销策略。     

浅析老年人旅游市场的营销策略

"灰发旅游"既是我国旅游业的一项空白,又是一个潜在旅游客源市场。如何开发老年旅游市场已成为我国旅游业发展中一个重要的研究课题。本文从分析老年旅游市场开发的可行性条件人手,探讨老年人的消费心理,提出开发符合我国国情和老龄群体特点的旅游产品和营销策略。     

浅谈乡村旅游目标市场的选择

选择旅游目标市场,明确乡村旅游应为哪类旅游者服务,满足他们的哪一种旅游需求,是旅游企业在营销活动中的一项重要工作.所谓旅游目标市场就是指旅游企业在市场细分的基础上,进行营销活动所要满足的市场要求,即乡村旅游的主要经营对象.     

银行理财养老新突破——银发危机来袭养老产业潜力巨大

伴随着中国社会逐步迈入老龄化,养老已经成为国民最为关注的问题之一,如何解决老有所养成为关乎国计民生的重大课题。不断扩大的老年人口正在催生一个巨大的养老产业市场。面对老年客户投资、消费和生活等需求,各家金融机构纷纷推出针对性的产品和服务,力求在这一领域赢得先机。一个完善的养老金融体系应该满足老年人群生活保障服务需求、消费需求和投资需求3个方面。     

层次分析模型与动态规划在个性化旅游线路设计中的应用

旅游"散客化"成为现在旅游市场的一个趋势,所以对线路信息的依赖性相对于团队游客大得多。在我国,旅游线路基本上没有个性化设计,没法最大程度满足游客的需求。本文依据游客的各方面的需求,运用层次分析模型和最短路径算法设计出最优的旅游线路,实现了旅游线路的个性化设计。     

层次分析模型与动态规划在个性化旅游线路设计中的应用

旅游"散客化"成为现在旅游市场的一个趋势,所以对线路信息的依赖性相对于团队游客大得多。在我国,旅游线路基本上没有个性化设计,没法最大程度满足游客的需求。本文依据游客的各方面的需求,运用层次分析模型和最短路径算法设计出最优的旅游线路,实现了旅游线路的个性化设计。     

银行理财养老新突破

正伴随着中国社会逐步迈入老龄化,养老已经成为国民最为关注的问题之一,如何解决老有所养成为关乎国计民生的重大课题。不断扩大的老年人口正在催生一个巨大的养老产业市场。面对老年客户投资、消费和生活等需求,各家金融机构纷纷推出针对性的产品和服务,力求在这一领域赢得先机。一个完善的养老金融体系应该满足老年人群生活保障服务需求、消费需求和投资需求3个方面。面对这一     

供需视角下我国商业银行老年金融服务创新研究——基于江苏地区的调研分析

当前,我国人口老龄化程度的不断增加,老年金融需求也不断增多,但老年群体具有特殊性,对金融服务也有特殊需求.通过对作为率先进入人口老龄化省份的江苏的调研分析发现:商业银行对老年金融业务与服务工作的重视程度不高,其体系与制度建设也亟待改善,远不能满足我国老年人对金融服务的需求.推动我国老年金融服务创新需要商业银行等金融机构和政府相关部门的共同努力,其内容主要包括针对性产品研发、人性化服务和制度建设等.     

上海自贸区对我国养老保险服务市场的影响

目前我国是世界上唯一一个老年人口接近2亿的国家．且正在以每年3％以上的速度在增长。庞大的老年人群体对医疗、护理等养老服务有着巨大的需求。这一需求单靠政府的力量是不可能满足的,亟待社会多元资本的参与。根据上海自贸区的总体方案．外商独资的医疗机构获得了准八的机会,因此,对我国医疗保险产品的创新和发展,以及老年医疗服务的提供有很好的借鉴作用,进而为外资参与养老服务领域提供了可能,带动我国养老服务市场的升级。     

如何加强出国金融一站式服务

随着我国居民出国留学、旅游、探亲和商务活动的逐步增多,应运而生的出国金融需求也越来越大,面对这一商机无限的新兴市场,如何适应和满足客户的需求,已成为我国商业银行更好地发展个人外汇业务亟待解决的问题之一。     

Elderly consumers and financial choices: A systematic review

The purpose of this paper is to investigate elderly choices and behaviors in financial services markets. A systematic review of a five-decade period (1970–2019) of academic research in the marketing field was carried out in order to identify elderly consumers’ decisions regarding financial asset management and legacy, highlighting the main findings of extant research and practical implications for marketers. Results shed light on financial asset management in terms of welfare, retirement planning, and investments for old age, as well as legacy practices in terms of special possessions, charities, and rites of passage. The study underlines the need to consider the heterogeneous nature of elderly consumers’ values and lifestyles in designing strategies for financial services and products, emphasizing that demographic differences alone are not adequate to effectively define market segments. Furthermore, the role of mixed marketing approaches considering elderly choices are discussed, together with implications for companies that want to target such consumer target.

     

长春市文化养老消费市场发展实证研究

文化养老关注老年人的精神和情感需求,是我国优秀传统文化与当代人文关怀的有机融合。选取长春市老年居民消费及收入相关数据并利用门限回归模型,实证分析收入水平与老年人文化消费之间的影响效应。研究结果表明,长春市老年人文化消费与收入水平之间存在明显的非线性特征,不同收入阶层老年人的文化消费偏好存在差异;老年人个体异质性对其文化消费存在显著影响。因此,要有效推动长春市老年人文化产业的发展,一方面,应注意挖掘低收入群体老年人的文化消费潜力,设计符合该群体老年人文化消费特点的产品,并施以政策支持;另一方面,更加注重高收入组群老年人个体异质性对其文化消费的影响,设计满足其个性化文化消费需求的产品,从而满足老人们日益增长的精神需求,提高老年人的生活质量。     

Practice papers: The evolution of segmentation methods in financial services: Where next?

Over the last few years, the financial services market has seen a proliferation of new players and new channels. Customers have increased expectations of being offered the right products, at the right time and for the right reasons. Demographics and affluence have always been the backbone of segmentation tools, but is this still sufficient to meet the challenges that today's marketers face? This paper is a review of how customer segmentation has evolved within the financial services market and the corresponding demand for consumer information. It assesses whether today's segmentation tools remain sufficiently innovative to provide marketers with the information they require in order to maintain competitive advantage in a highly competitive marketplace.     

试论老年精神保障系统的构建

养老保障应是一个全面的完整的老年人支持体系。"经济支持、生活照料和精神慰藉"是养老的三个基本内容。本文利用国内相关的实证材料和研究以及国外相关的理论和经验对我国老年精神保障的三个争议焦点——现阶段需不需要保、保什么和谁来保进行分析和讨论:(1)需要的满足并不只取决于经济发展水平,还取决于一个社会的文化价值观念和社会发展状况。快速转型所带来的文化和社会结构尤其是家庭结构的变迁削弱了我国传统的老年人精神支持模式。我们应该建立精神保障系统以维护老年人的生存健康和生活质量;(2)老年人是由不同年龄、性别、收入和教育程度等组成的群体,老年人的基本精神需要的界定需建立在社会福利的视角下——适度的、具备一定条件的需要,且与一定的文化和社会结构相适应;(3)结合对福利多元各极在我国老年人精神支持中的作用和现状的分析,我们现阶段应建立一个政府主导的多种社会力量参与的老年精神保障体系。     

Discount or premium? Pricing of structured products: An analysis of Chinese market

Structured products combine elementary instruments from the spot and derivative markets. The existing evidence on mature markets shows that structured products are commonly charged with large implicit premiums compared to their theoretical values. However, this paper finds that structured products in Chinese market are, on average, priced closely to their theoretical values, which no longer favors the issuing institution. This is reasonable as the issuing banks' market power in China is relatively low compared to those in mature markets, given three characteristics in Chinese market (the intense competition from Internet finance, strict short-sell constraints, and the lack of secondary market as well as redeemable claims). Specifically, based on a database including 126 structured products with various underlying assets and durations from two main structured products issuing banks in China, this paper finds two more interesting results. First, structured products with call option and double option components are generally issued at a small discount, while most structured products with put options components are issued at a small premium. Second, a significantly negative correlation is also found between implicit premium and duration, indicating that the implicit premium rates of short-term products are higher than those of long-term products. Overall, these findings suggest that issuing banks' market power is weakened by the competitive market and incomplete market structure.     

Stock Market Return Expectations: Some General Properties

This paper examines how and how well do leading economists forecast stock market returns. This question is fundamental in finance, since the Capital Asset Pricing foundation rests upon assumptions about the properties of investors' expectations for stock market returns. The results reveal that economists' expectations of market returns as exemplified in Livingston's data do not meet the necessary conditions of efficiency. It should be noted however, that in later period some improvement in the quality of economists' forecasts was observed.     

我国入境旅游客源市场特征研究

入境旅游客源市场的快速发展是我国入境旅游业发展的重要源泉。本文以来华外国旅游流作为分析对象,运用地理集中指数、客源市场竞争态模型等分析方法,定量研究了2001—2011年我国入境旅游客源市场的特征。结果表明：我国入境旅游核心客源市场分别是韩国、日本、俄罗斯、美国。其中,日俄美三国市场占有率总体呈现下降趋势;韩日美三国市场增长率总体也呈现下降趋势;2002—2011年我国入境旅游客源市场竞争格局处于不断变化中,且变化较大;我国入境旅游客源市场在空间上主要集中在幼童市场和瘦狗市场,而在明星市场和金牛市场的分布则较少。     

市场增进理论与政府主导文化旅游产业发展——台儿庄古城案例

文化旅游产业发展初期的公共产品属性,决定了政府在相应公共产品提供、协调资源配置和制定市场规则等方面比其他经济主体具有优势。山东省枣庄市台儿庄文化旅游产业发展的实践,证明了这一观点。     

Financial services and the elderly poor: Development and implementation of sustainable intervention strategies

Given the significance of the elderly consumer market in the development of successful and comprehensive marketing strategies, it is imperative that marketing decision-makers and policymakers better understand and respond to the varied needs of this significant consumer segment. The management of financial matters is important at every juncture in life, but particularly so for the elderly. This area of concern is exacerbated when considering the large number of elderly in poverty or near-poverty levels of existence. On the basis of the extant literature review, most consumer education programs focus on young consumers. As the population ages, the societal role of the mature market becomes more and more significant. A well-developed consumer financial initiative designed to assist this important market segment can generate tremendous dividends in both the short- and long-run for sponsoring institutions/business organizations. Consumer financial education programs offer considerable promise for this market sector. Given this state of affairs, the article's key objective is to offer an integrative conceptual platform to address some of major concerns in developing and implementing consumer financial education programs for the elderly poor. The conceptual model details the mechanics of constructing and executing effective financial education initiatives for the elderly poor, with the attendant marketing management implications.     

宏观调控、市场收益与理财消费——来自我国银行理财产品市场的经验证据

考察2009～2011年我国银行理财消费市场发展的现状并利用经验数据对影响其发展的主要原因进行了实证分析,研究表明:我国银行理财消费规模与股票市场收益率不存在显著关系,但居民可支配收入、物价水平都对银行理财市场的发展发挥了重要作用。此外,我国银行理财消费市场的发展还受到国家宏观经济政策的影响,尤其是当提高存款准备金率导致银行资金面紧张时,商业银行则通过提高收益率来刺激人们的理财消费需求。