The Corresponding Strategies Of Domestic Life Insurance Companies Under The Employer Pension Trust System

The promulgation of the Probationary Act of Employer Pension and the Probationary Act of Employer Pension Fund Management in 2004 established the trust system for the employer pension legally in China. The system is actually a combination of trust and employer pension in the endowment insurance field, and is also a bran-new system in China.The establishment of the employer pension trust system made a higher jumping-off point and means a epoch-making significance for the development of China's employer pension. In the meantime, it changed the competitive situation of the employer pension market, and thus the domestic life insurance companies have to be in the face of new challenges in the market.This treatise starts from the analysis of the conception of trust and employer pension and then has a thorough discussion on the employer pension trust system, the bran-new institutional phenomenon. Then turn to domestic life insurance companies to analyze the main impacts the trust model bring to them and to discuss comprehensively the actual situation the companies have to deal with if they want to exploit the employer pension market effectively. And based on this, we have finally educed the conclusion that the position and strategies the companies should choose in the employer pension market.The selected subject of this treatise is practical, original and far-sighted. Based on the extensively collected literature information, we made a systemic research on the theory base, the system structure, and the institutional features of the employer pension trust system. We also made a deep study on what kind of role and strategies China's life insurance companies should choose under the unfavorable new market and policy situation to consolidate their status as well as to enhance their competitive power in the employer pension market.