Study On Enterprise Annuity Fonds Operation And Strategies

Enterprise annuity is one of the institutional arrangements which related to the state, enterprises and individuals together to share old-age security responsibilities. It is also the second pillar of the "three pillar" Old-age security system which is determined by national human resources and Social Security Ministry. It is the important system design on aging, crisis, the small family trend and the importance of longevity risk. With the introduction of Ministry of Labor and Social Security policies and regulations in 2004, enterprise annuity system and its operation mode has played an irreplaceable role in security, compliance, standardization. At the same time, as the enterprise annuity fund rapid accumulation, each separate operating structure and a single of the operation system, which is based on occupational pension trustees, account managers, fund custodians, investment managers in four financial licenses, has been seriously hampered in the enterprise annuity rapid spread and efficient operation in many aspects. It is more obvious that the traditional mode of operation has showed the shortcomings. With lateral contrast to the foreign pension system operation mode and a lot of research on China's commercial banking operations annuity business, based on improving the enterprise annuity fund operational efficiency and Security, the paper has made some exploration on Reconstruction and optimized of China's enterprise annuity fund operation mode.