A Study Of Conditionality Factor On The Occupational Pension Market's Development In China

1. The research topic and SignificanceSince the 1970's the traditional pension model is becoming unworkable all over the world. Along with the crisis of population aging and the construction of the"three pillar"pension system in china, occupational pension will play an important role in our lives more and more. It is not only the Physical security to improve the quality of life of retired staff, but also an important part and a means on human resource management. At the same time, it will provide a new source of profits and business space for all types of financial institutions too. At the same time, China has entered the aging society, the government can not afford so many old-age people , Therefore, the occupational pension has become the government's macro-control means to achieve political objectives. As the major institutional investors to enter the capital market, occupational pension funds will have an enormous impact on China's economic development.Through the efforts of the parties, a whole framework of our occupational pension market has been completed. Nowadays, more company and works know it, become interested in it; many financial institutions have a strong interest in occupational pension, they not only increase marketing efforts, but also to strengthen self-construction and strive to provide a better service; Positive attention to the various government departments, the constant introduction of policies to guide the development of the market. It has made great achievements, but also faced with many problems.In order to solve the problem of old-age workers and perfect China's social security system, we must develop China's occupational pension market quickly. To develop it, the core is the analysis to the conditionality factor on China's occupational pension market. On the background of China's special political and economic situation the author and through the analysis to the foreign occupational pension markets, the author want to find these conditionality factors .then, the author will judge the status of our occupational pension market accurately and thinking about the specific measures .2. Main contents and viewpointsBased on our analysis, the article was divided into four parts as follows:The first chapter analyzes the four aspects of the occupational pension market: demand, supply, the role of government and the risks, Structures a whole analytical framework on the market.In second chapter, on the basis of whole presentation to foreign Annuity market, the author will take Britain as an example particularly and get some important inspiration.In third chapter, on the background of China's special political and economic situation, the author analyzes the factors that can restrict the development of China's occupational pension market, point out the problems, analyze the reasons.The fourth chapter makes some suggestions .As to the expansion of China's occupational pension market demand, the paper advice we should reform the basic pension system and establish a scientific employment system in company. Through the case of two old-age insurance companies, author thinks the financial holding group will be an advantage and become a major force in the market. In addition, in order to better coordinate the functions of our various government departments in the occupational pension market, the article also explore how to establish an effective coordination mechanism.3. Research Methods(1) Static analysis and Dynamic AnalysisOn China's occupational pension market,the author use static analysis; on the development of our occupational pension market, the author use dynamic analysis.(2) Comparative analysisOn the current situation of China's occupational pension market, the author use the ways that comparison of foreign and domestic as well as the comparison of qualitative and quantitative.(3) Induction and deductionAt the time of Analysis to foreign market, the author summed up the use of methods from the individual examples of reasoning to the general principle. When judging the China's occupational pension, the author put the general principle to our cases with the methods of deductive(4) Analysis and synthesisOn the description of China's market, the author use the methods of analysis of the occupational pension market ,at last, the author integrate the all parts as a whole to carry out a comprehensive study.4. The main innovation(1)Realistic topicCurrently, the concept of occupational pension is a hot topic in our society. However, how to develop China's occupational pension market is controversial. How to regulate the relationship between the occupational pension system and basic security system and how to accelerate the development of pensions are serious academic issues. This thesis tries to provide some clues to answer such questions giving it theoretical value and practical meaning to some degree.(2)Institutional analysisIn the first chapter of this article, the author has established the overall framework of analysis, and run through the full text, so that the papers can focused on the point, and make a deeper understanding of occupational pension market.(3)The contents of this thesisIn the research paper, through the ways of combination of case and theory, the author pointed out that the financial holding group will be an advantage on occupational pension market; on the basis of establishment of occupational pension of the National Council, the author put forward his own views.