摘要:本文研究的是人口老龄化背景下老年人对经济的发展的刺激。老年人对经济理念不断专业，但他们对经济的作用也越来越明显。老年人口的日益增长和日益转变的养老观念使老年人群体近年来纷纷开始了各种形式的投资理财。可是目前通货膨胀的出现，给经济的发展带来难题。伴随着国际金融危机，金价下跌，银价不断上涨；房价变化不断；理财产品居于股票和储蓄存款之中，是老年人投资理财的保守的新选择。本文通过对苏州市区老年人对理财服务方面的需求进行调查，梳理出老年人理财投资服务方面的现状，指出理财投资服务供应方存在的忽视老年群体需求、理财产品针对性不强等问题，同时挖掘老龄市场日益壮大所带来的机遇，结合实际情况提出了可行的建议与对策。

关键词：人口老龄化；理财产品；苏州市

Abstract:In this paper is under the background of an aging population of the elderly to the development of economic stimulus. On economic philosophy among senior citizens steadily on the professional, but the effect on the economy is becoming more and more obvious. Aging population growing and increasingly changing of endowment idea make the elderly population in recent years are the various forms of finance and investment. But the emergence of the current inflation, bring problems to the development of economy. With the international financial crisis, prices falling, rising prices; House prices change constantly; Wealth management products in stock and savings deposits, finance and investment is the old conservative new choice. This article through to the elderly demand for wealth management service to suzhou city investigation, teasing out the old status quo of the financial investment services, points out the exist of financial investment service providers ignore the elderly demand pertinence is not strong, financial products, at the same time mining old market opportunities brought about by the growing, combined with the actual situation proposed the feasible advice and countermeasures.

Keywords: An aging population Wealth management products suzhou