The Present Situation And Optimization Countermeasures Of Medium-sized And Small Enterprises Annuity System

With the rapid development of China's economy,more attention and attention to the construction of social pension system.The enterprise annuity system is an important part of the three pillar old-age security system in China,playing a very important role,especially in dealing with the problem of the aging crisis,can effectively guarantee the quality of life after the retirement of workers.But from the overall development of enterprise annuity in China,there is a big gap between SME annuity and large enterprise pension.Because of its own conditions and policy environment,Its development is slow,has not played a key role in the pension security system,Therefore,it must be reformed to further promote the development of enterprise annuity.According to the present situation and optimization countermeasures of zhongxiaonianjin system,the research analysis.First,this paper expounds the relevant background and significance of the topic,and summarizes the research viewpoints of domestic and foreign scholars,such as life cycle theory,persistent income hypothesis theory,human capital and human depreciation theory,and demand hierarchy theory,which provides the basis for the research work and follow-up optimization suggestions.Secondly,the summary of the development of enterprise annuity system and the current status of SME pension system,focuses on the problems of SME pension system,mainly from the SME own properties and capabilities,and policy environment,legal system and other aspects.Finally,combined with some foreign countries enterprise pension system development model and successful experience,according to the construction of SME pension system in China feasible suggestions.