| The enterprise annuity is refers to the enterprise and the staff is participating in the basic old-age insurance legally in the foundation, the voluntary establishment supplement old-age insurance system, its goal is enhances the staff to retire after to care for the aged the safeguard level. Our country Enterprise annuity implements the trust system management, namely by tallies is entrusted with something the qualifications financial organ to act as the bailee, again has by the bailee according to the enterprise own characteristic choice recognized the qualifications the financial organ holds the post of the trustee, the account tube person and the investment supervisor, common operation this enterprise's annuity plan is facing surpasses 100 billion Yuan market shares, each big financial group and the financial company, are causing the whole body posture in martial arts, argues vigorously unfolds the fist foot greatly in the annuity market of does a life insurance company as main competitors, how contend in this time seizes a bigger market, obtains more incomes, is question which the life insurance company must consider earnestly.This article embarks from the life insurance company's angle, the analysis has studied the life insurance company each kind of superiority which has in the competition and the traditional association life insurance service extremely similar enterprise annuity market, as well as the trade or craft competition match characteristic, and takes the basis by this, competes the annuity market for the life insurance company to carry on the role localization, finally acts according to all quarters condition determination overall the competition strategy. This article altogether divides into seven parts: The first part, has determined the selected topic background, the research goal, the significance as well as the research content; The second part summarized for the enterprise annuity, described the enterprise annuity definition and the correlation theories foundation, the enterprise annuity development, the pattern as well as our country annuity market competition pattern; The third part, carries on the superiority and the inferiority analysis to it, is clear about the opportunity which the competition faces with to select; The fourth part, take the TK life insurance company as an example, compared with commercial life insurance company in annuity market role superiority; The fifth part, refers to the TK life insurance, formulates the more reasonable competition strategy for the entire commercial life insurance company in the competition annuity market different development phase; Sixth part: The conclusion.This article innovation spot lies in through a more exhaustive analysis, according to the different development phase, take the TK life insurance company as the example, competed the enterprise annuity market for the commercial life insurance company to formulate the corresponding competition strategy, had the very strong feasibility. At the same time, in "enlarge risk management" in the strategy, introduced the DC pattern to be supposed to carry on the reinsurance the mentality, the angle is novel. |
PDF Full Text Request