Research On Construction Of Annuity System And Choice Of Mode In Enterprise In China

With the influence of the trend getting elder all over the world, many governments' burden of endowment insurance gets heavier and heavier. Now, we draw one common conclusion, the single endowment insurance of government should not supply the earning with higher level, so NO.1 support of government should get less and less, NO.2 support including instauration and of spontaneity — annuity of enterprise should develop wider and quicker.Annuity of enterprise roots from the developed countries, which is a plan of insurance setting voluntarily by the enterprise. Appending value of it is emerged with development from more than 100 years, it becomes main parts of save and capital, which flows into the market, so the rule of annuity gets more and more obvious.As a big population country, China develops progressively in rate and depth of getting elder. At present it is very popular that cash is out of pocket in endowment insurance, so it can form capital lack about 20 hundreds of billions RMB 18 years later. According to survey, we will get the acme of population in 2010, we will be short of capital most serious, we must develop the annuity as the main part, but we can not build up endowment insurance system in different levels, the annuity will not be developed widely.This article introduces the annuity system of western countries, analyze...