Discussion Of China's Enterprise Annuity Investment Management And Risk Prevention

As an innovative insurance method,enterprise pension system is created in the environment with growing aging population and more and more heavier buder of the country's basic endowment insurance system.with the expending of enterprise annuity fund,It requires higher return of it's value.With the research achievement of other scholars,this article research the corporation annuity investment and risk management.in the article,there are two parts to discuss and try to give the solution.The one part is about invest management,including the mode choice,the investment tools,the investment system,the property allocation and the invest-achievement asses.And the other part is about risk management,including the risk distinguish process,the risk superintend process,the risk disperse process,the risk compensation process.Through the research,the article makes point that whatever the aspect of institution or the aspect of operation has shortcoming.And for the institution aspect,the article suggest to build "corporation annuity govern institution" and properly adjust the investment proportion restrict to make it more reasonable.For the operation aspect,this article suggest to build "gradually affiance" mode of corporation annuity.For the invest tool aspect it give some new tools.And it suggest that make the invest system more open.Especially,for the corporation annuity's investment assess system,it suggest to build comparative standard.Even more a new method to assess achievement base on the principle of "Balance Scorce Board".Therefore,it is a forward-looking work of great significance to study China's Enterprise Annuity Fund's investment management.