Research On The Operating Risk Of Private Pension Institutions

In the social policy and social forces efforts,the overall scale of China’s pension service industry continues to expand,and the pension industry has shown a good momentum of development.However,in the context of the increasing pressure on the aging of the population,the contradiction between the supply of old-age services and the diversification of the elderly and the demand for specialized services is also highlighted.As a sunrise industry in China,pension industry develops under the leadership of the government,and its capital investment is also basically from the government finance.With the gradual development of the old-age service industry,the government’s limited financial funds can not meet the growing demand for pension services and encourage private capital to enter the old-age service industry,which becomes an important means for the government to solve the problem of pension deficit.Private pension agencies develop rapidly under the double stimulation of in the policy and market demands.On the one hand,private pension agencies analyze the trend of China’s population aging actively,fit itself to the situation and increasingly become the main force to promote social pension.On the other hand,with the low level of China’s pension management and the relatively unenlightened concept of risk,private pension agencies also face some difficulties and risks in business development,which worth more attention and support of the government and the community.As a social welfare services industry,private pension agencies swarm into the the market and become new forces.But its business Management face many risks when the socialist market economy is still in the initial stage,the pension problem is still quite complex,the industry standard is not standardized,and the government public service regulatory system is not perfect.The reasons for the risk are not the same,and there is no normative risk prevention and control system which direct at the management of domestic civil service.This paper takes the management risk of the private pension institutions as the breakthrough point.I do the research through field visit,combined with the individual internship experience,synthetically using the participatory observation method and the unstructured interview method and the literature research method and so on.Business risk investigation and study combined with the social welfare,social policy,social work and other related professional knowledge,the management of private pension agencies in depth analysis and assessment.Based on the theory of risk management,this paper analyzes the sustainable development of private pension institutions and the background of survival and development of private pension institutions.It studies the risks of management and management of private pension institutions to cope with business risks,so as to play the role of private enterprises in China’s pension industry.First of all,this article analyze its superiority from the perspective of institutional classification of the basic concept of pension agencies and the difference between"private" and "public" pension agencies,combined with the characteristics of private pension agencies.And then This paper analyzes and summarizes the main business risks faced by the private pension institutions through the private pension agencies in the management process.On this basis,it analyzes the causes of the business risk of the private pension institutions,and then discusses the ways to deal with the risk of the private pension institutions and puts forward to the specific Preventive measures.The innovation of this paper lies in the first time that identify the main business risk faced by private pension agencies and the right medicine to put forward the measures to avoid risks for the development of China’s private pension agencies to provide a valuable reference and to promote the healthy and orderly development of our pension service industry,which based on the perspective of risk management of private pension institutions and the scientific research and professional analysis.