Analysis Of External Factors Affecting The Development Of Chinese Enterprise Annuity

At present, our country is facing severe pressure of the old age, the aging of the population is increasing, the social security is running, the gap is increasing year by year, the three pillar of the pension insurance system is imperative. As an important pillar of China’s pension system, enterprise annuity is a healthy and stable development, which is related to the stability of the whole society.Our country enterprise annuity came into being, which has been developed rapidly in recent years, but still faces the problems of low coverage, lack of tax incentives, the development of small and medium-sized enterprise annuity, the lack of government supervision, the lack of legal system, the lack of pension replacement rate. Sum up the main factors that affect the development of enterprise annuity in China, including population, political, economic and social factors. By drawing on the experience of foreign enterprise annuity development, some suggestions are put forward. The research should be carried out from five aspects:the establishment of the system, the scope of creation, the scope of expansion, the extension channel, and the risk control. Leveraging government, through legislation, supervision, industry self-discipline three aspects of improving the pension regulations and supervision; reducing the barriers to entry for enterprise annuity, from the lower basic pension insurance substitution rate, to lower the threshold for market access, reduce the management fee, for the development of enterprise annuity to create hard conditions; to expand the scope of participation, try to take a semi mandatory Road, tax advantages of leveraging, the attract broad medium and small businesses come in; broaden the pension plan investment channels and products, rich product line and investment channels; finally, we should improve the awareness of national pension, risk prevention awareness and prevention capabilities, to preserve and increase the value of pension, let the real annuity and society. Promote the perfection and popularization of the annuity system.