Study On The Problems And Countermeasures Of Enterprise Pension System Operation

China actively promote the reform of the pension insurance system, and gradually establish a three-pillar pension system model under the pressure of population aging, financial payment pressure and unsustainable situation of basic pension insurance. The Government issued policies and regulations, tax incentives, supervision and management measures to guide and support enterprises to develop corporate pension plans, expanding the coverage of enterprise pension system. Adapting to the situation, enterprise pension system has been initially developed in Xuzhou. A number of state-owned companies have established a corporate pension system,so as private enterprises like Huda Xiang Drinks. In order to increase the value of enterprise pension achieved, these companies asked financial institutions, commercial insurance company, fund investment operations to investment the fund. In this way, the worker’s retirement income improved and the establishment of a multi-level old-age security system promoted. However,due to lack of understanding of pension plans, the basic old-age insurance replacement rate remains high, inadequate laws and regulations, capital market imperfections, information disclosure and sharing platform has not been established, the coordination mechanism among government regulatory body has not yet processed, enterprise pension system still have some problems, such as small business pension coverage, the unbalanced development of the industry,the lack of legal support system, the regulatory mechanism is not perfect, investment operations immature, tax incentives are not in place and so on. To change the situation of China ’ s Enterprise Pension System, we should take measures such as accelerate the process of building enterprise pension legal, and improve the legal protection mechanism; Increase the propaganda of enterprise pension system, and promote the expansion of enterprise pension coverage;Improve the investment operational status, and improve operating income fund of enterprise pension;Adhere to the effective implementation of the fund management responsibilities and improve the transparency of investment; Specifications capital and financial markets, and take an active tax policy.