The Construction Bank Gansu Branch Enterprise Annuity Business Development Strategy Research

Reform30years, on the one hand, as China’s family planning the implementation of the national policy, a falling birthrate; On the other hand, the rapid development of China’s economy has also brought medical and health service level unceasing enhancement, life expectancy common extended, the two common action to make the population aging in our country is problems become inevitable trend.According to the sixth national population census officials speculated that by2035, China over the age of65elderly population of about294million, when labor has a population of about810million, minus the receive higher education, unemployment and low labor population of about30%, will appear two taxpayer support a pensioners situation, and at present, the our country the government leading basic endowment insurance income unbearable aging trend brought about by the increasing spending needs, an aging population will be on our country’s basic old-age security system put forward severe challenges, in view of this background, our country in2004promulgated the "enterprise annuity try out method", the official set up a set of standardized system of compensatory endowment insurance, thereby enhancing the pension payment guarantee ability.Construction bank as the second batch of our country made the management of enterprise annuities fund qualified institutions in business started on behind trade institutions two years, by the year2012to the third quarter, the construction bank in the enterprise annuity the entrusted assets scale, individual account management number, trust fund scale market share in the national trade separately on the sixth, second, the second. Gansu construction bank is located in the economically developed areas, market share separated the trade third, third, the first, and the agent, zhang pipe business and the former two trade agency has a large gap, business development prospect is not optimistic.At present our country enterprise annuity is still in the period of rapid growth, build enterprise annuity plan enterprise about3.7and participate in number of nearly17million people, accumulation fund of340billion yuan (＄one trillion GDP40accounted for0.7%), overall development prospect is broad. Study and solve these problems not only of gansu province says to the construction bank, private business further development to have the important meaning, and the hope for further accelerate the speed of our province complement endowment security system and system construction step, and gradually form a complete set perfect relevant financial services to provide a new thinking.The construction bank in gansu province enterprise annuity, zhang pipe business started late, the development is slow, business comprehensive contribution low, how to narrow the gap with the same? As the head office building strategic emerging business gansu construction bank will be how to position, how to layout? How to "benefits, out on the basis of the enterprise annuity hit to cause" the line again,"business development platform? These is always gansu construction bank management and professional management team thinking problem, is also the enterprise annuity in China at the present stage in the process of the development of trade institutions facing the common problem.According to the construction bank gansu branch of the enterprise annuity, zhang pipe business started late, the development is slow, market share is low, and the trade gap big situation, the construction bank branch in gansu province enterprise annuity business development difficulty to carry on the analysis. On the basis of empirical analysis, and find out the development difficulty, causes, this paper puts forward the construction bank gansu branch of the enterprise annuity business development strategy and implementation scheme.