Research On Investing Supplementary Pension In Trust-product

In order to cope with the coming of the coming decades China's ageing population trends, and because of the increase of cost of primary endowment insurance caused by an aging population caused by the financial crisis, the enterprise annuity system in our country's economic and social development of the mouth plays increasingly important role. But compared with western developed countries, our country enterprise annuity investment earnings, its investment tool has long been confined to bank deposits and bonds, investment income is extremely low, their value is becoming more and more heavy pressure, unable to support the government to build up the multi-pillar pension security system. The causes of this phenomenon are various, including the problem on the system, policy and investment structure, in this paper, we choose enterprise annuity investment Angle is analyzed.Under the above background, seeking more abundant enterprise annuity investment tools and improve the investment rate will be the key to the development of enterprise annuity in China. And at present, our country academic circles for enterprise annuity investment trust products less concrete analysis and research.The main content of this article mainly divides into five chapters.The first chapter introduces the background of enterprise annuity development at home and abroad, development trend of the world's population aging and the status quo, enterprise annuity and increaseing pressure severe in our country and our country enterprise annuity investment problem such as low efficiency, the full text research object is put forward.The second chapter introduces the concept of enterprise annuity, trust and introduced its development history. On the one hand, analyzes the investment returns and risks of enterprise annuity in our country, from several aspects discusses the problem of enterprise annuity investment in our country at present stage, on the other hand, the trust of the functions and advantages were described in detail.Third chapter to ZDT group as an example, detailed discusses the feasibility of the enterprise annuity investment trust products, as well as the benefits of investment trust products for the enterprise.The fourth chapter is focused on the use of ZDT group enterprise annuity the concrete operation scheme. Through the analysis of the actual situation ZDT group and in-depth analysis of enterprise annuity, trust products, designed a set of perfect investment plan, not only make the enterprise annuity yield was improved, but also make the enterprise get more available funds.The fifth chapter is the key problem in the process of enterprise annuity investment trust products, at the same time for the enterprise to solve these problems and puts forward some countermeasures with pertinence.The innovation of the paper:the research idea and the structure of the innovation. Thesis research train of thought is from general to specific. First analysis of the concept of enterprise pension investment, historical development and the related problems, and then studies the problems existing in the enterprise annuity. On this basis, to explore the feasibility of the enterprise annuity investment trust products in our country, and carried on the discussion to this idea.Need to further study the problem:due to the paper frame structure and the limitation of my knowledge level, some problems have not been involved in or to continue to explore. For example, because of the limitation of the thesis framework problem of the enterprise annuity investment regulation not discuss in the paper; Restricted by information and data, the analysis of the foreign enterprise annuity investment tools also need to be further strengthened.