Research On The Development Of Enterprise Annuity Business In Shanxi Branch Of ICBC

Please enter text content need to be translated into the new century,with the mature of the construction of the social system,the aging of the population trend of all countries increasingly clear,ensued,governments at all levels to gradually improve the social pension security system,invest for pension mechanism in order to ensure the development of the people's livelihood.In this background,our country began to develop compensatory endowment insurance policy in 1991,widely attention gradually,become our country to build an important part of the social pension system.And the key of the enterprise annuity is compensatory endowment insurance.On the one hand,as the population ages,make the enterprise annuity business such as the spring breeze in the development,on the other hand with the bank structure,adjust the structure of business transformation strategy,further promote the development of the enterprise annuity business.This was the last century,our country the pillar of endowment insurance system: including individual deposit endowment insurance;Enterprise complement endowment insurance and basic endowment insurance in the country.The enterprise annuity pension insurance plays an important role.Compared with other traditional bank business enterprise annuity has the following characteristics: high profits,stable income,risk small and do not occupy a larger fund.So the intermediary business has received the international Banks.There is no doubt the entire banking industry in the 21 st century has formed a diversified development pattern,but money market and capital market and enterprise customers and individual customers,enterprise annuity "bridge" role into full play.Besides enterprise annuity business also has a stable society,a sound social old-age security system,promote the development of social security system,to bring a steady stream of profit growth point of commercial Banks at the same time,the transformation of the development of commercial Banks.Based on the emergence and development of the industrial and commercial bank of China's enterprise annuity business as the basic starting point,through to the industrial and commercial bank of China's enterprise annuity business and organization framework of analysis,in Shanxi Province branch of industrial and commercial bank of China as the breakthrough point,it analyzes the enterprise annuity business,combined with case analysis method,analysis and research in Shanxi Province branch business development data,analyzes the enterprise annuity income and profits,intermediate business income before rainy-day correlation problems,analyzed the development of enterprise annuity business benefit for Banks,including social benefits,indirect and direct benefits,this paper analyzes the comprehensive benefit of the business.Combined with icbc branch in Shanxi Province to speed up the development strategy of the enterprise annuity business,clearly points out the significance of enterprise annuity business development,the comprehensive promotion of the competitiveness of the Banks and financial markets.