Study On The Annuity Pattern Of China Life Insurance Company

The compound enterprise annuity plan is a kind of operation mode based on the enterprise annuity service of our country at present. It can reduce the initiator's cost and investment risk. Using the compound enterprise annuity plan, one better balance point between the initiator and the participant can be obtained, which is beneficial not only to the development of employee benefits plan, but also to meeting the employee's demands of the investment yield.In this dissertation, the present situation of enterprise annuity service of China Life insurance company was elaborated in detail, the problems of its development was studied. With the analysis, the income that enterprise annuity fund is not very stable was discovered, the development ability of company enterprise annuity service is limited, the product mix of enterprise annuity service is unitary, the utilization of capital and the management could not meet the requirement. Through analyzing the cause of the enterprise annuity service, it was found that policy-type aspect and enterprise own were main reason.With the analyzing the characteristic and superiority of China Life insurance company's enterprise annuity, the compound enterprise annuity service operation pattern was established. The connotation, the characteristic and the establishment principle of the compound enterprise annuity were elaborated. Through carrying on the effective union of the trustee, the account supervisor and the invest supervisor of Chinese life insurance in the enterprise annuity markets, the more effective service platform for the participant was established.Through the decomposition of the enterprise annuity key supposition essential factors, and using the asset portfolio theory, the immunity theory and the annuity cost appraisal methods, the operation process's cost of the compound enterprise annuity service was assemented, and the asset debt was matched. Considering Chinese life insurance management pattern and level, the measures in the advancement of the compound enterprise annuity was proposed, and the construction of the enterprise interior system must be strengthened. Through the conformity and development of the existing marketing channel, it was necessary to pay attention to the big customer development in connection with the characteristic of enterprise annuity service.