ICBC Branch In Gansu Province Enterprise Annuity Business Development Strategy Research

Social security is a national public policy and economic system, the people’s livelihood, old-age security is an important part of social security, as a developing country with the largest population in the world, the problem of aging population in China is facing more and more seriously. In order to realize the goal of national security, China is building and perfecting the basic old-age pension system, including the supplementary pension, individual pension savings, multi-level. Enterprise annuity as the modern old-age security system of the "second pillar", is an important supplement to the basic insurance, but also to achieve the "big eighteen" proposed the establishment of "wide coverage, basic, multi-level, sustainable" social security system important content. With the standards of the state enterprise annuity fund management, market operation smoothly, the enterprise annuity business into a new stage of development, will play a more important role in the old-age security and economic construction of society. Therefore, financial institutions are the national commercial banks, insurance companies, fund management companies, trust companies pay more attention on it, to promote its development, and the competition is increasely in the market.This paper is mainly based on the 2013 since our country new policies.firstly, from two aspects of the enterprise annuity the core concept and the domestic and foreign related theory summary, explain theories in simple language to describe the basic theory of enterprise annuity. On the basis of theoretical research, industrial and Commercial Bank of China branch in Gansu province enterprise annuity business development from the two aspects of development of annuity products system, industrial and commercial bank business, and further analyzes the advantages and disadvantages of the enterprise annuity business development of ICBC.Taking advantage of SWOT analysis method, which put forward the main problems existing in the development of industry and commerce bank Gansu branch of the enterprise annuity business.through the analysis of external factors and internal factors analysis, in-depth analysis of the problem, and determines the size of the rapid growth and income significantly increase as the goal, to the full extension of the project and promote business in all households in a branch of popularization as the starting point, to the development of product innovation and linkage as a driving force, to compliance operation and quality services for security, comprehensively enhance the ability of business development and product competition ability, realize enterprise annuity, pension, pension financing business integrated development ideas, thus Countermeasures of ICBC Gansu branch enterprise annuity business development laid out.