The Research Of Principal-agent Risk On Chinese Professional Pension Insurance Company

With increasing aging of the population, Chinese pension system is experiencing profound transformation, and is facing more and more pressure because it is far from perfect and widespread, so aiming to relieve pressure pension system operates. It's very meaningful to establish enterprise pension system and set up mufti-outlet pension system. At present, Chinese in trust management pattern and involves mufti-agency in practice, resulting in converse selection and moral risk, which is the main research content in this paper.In the first chapter, the paper includes the background of the article, research methods and research ideas and the structure of the article.In Chapter II, professional pension insurance agency relationship between risk management outlined. In this chapter on risk, operational risk, as well as a definition of enterprise annuity on the basis of the characteristics of China's Enterprise Annuity professional pension insurance company, as well as the advantages and discussed professional pension insurance company operating risks Control and Prevention basic steps.In Chapter III ,professional pension insurance agency relations risk analysis. This chapter in the principal-agent theory risk the support of the professional pension insurance agency and risk the cause of three commissioned agents were analyzed.This dissertation draws on lots of research achievements of many professors and scholars. The author only does a little job to a large degree. However, there are a few professors and scholars researching occupational pension governance structure risks control and many points haven't been achieved unanimity. Therefore, the author has to think over carefully in order to put forward the points that are qualified with the reality. All in all, the innovations of this dissertation are as follows.