Study Of China's Enterprise Annuity Regulatory System

With the aging of our population accelerates, the Enterprise Annuity pension security system as China's second pillar in the system more prominent role in China's corporate annuity has entered a rapid development period, but after all my annuity at the development of early requires a good institutional environment, so monitoring of occupational pension schemes is of great practical significance. On the other hand ,2007-2009 the global financial crisis has also become the world's countries risk prevention emphasis of the reform of financial supervision system. Although China's enterprise annuity fund smaller losses in the crisis, but this crisis has been to us sounded the alarm, but also to improve corporate pension regulatory system in China provides a new way of thinking.This introductory section on the theoretical review, and describes background study and research ideas and methods.The first chapter of our corporate governance structure and operating mechanism of annuity, clarify the process of enterprise annuity management layers involved in the agency relationship, as discussed below provide the basis for a monitoring mechanism.The second chapter of the world by comparing the two major regulatory approach, regulatory approach that is strictly limited and prudential supervision and proposed mode of China's Enterprise Annuity supervision.Chapter from a two-tier regulatory system of laws and regulations and the surface of the Pension Supervision of China, and points out the existing problems, such as lack of communication between supervisory bodies, legislation lags behind.Chapter IV is a foreign enterprise annuity supervision Experience. Select the two regulatory models in this chapter represent the country - the United States and Chile, and their occupational pension supervision model introduced in detail and analysis. Meanwhile, the chapter also described the financial crisis for the U.S. financial regulatory reform of the Occupational Pension Supervision. Chapter V of the paper was summarized, and corporate pension regulatory system in China's policy recommendations and future development ideas.Innovation of this paper is: First, Chinese enterprises set up pension regulatory system framework. Since China does not have a unified pension regulation, accepted the conclusion, so the proposed combination of concrete practice of China's pension regulatory system structure is of great practical significance; Second, learn from foreign experience in corporate pension regulation, combined with the concrete practice of China, made of the Occupational Pension information disclosure, risk control policy recommendations.