The Research Of Tai Ping Pension Insurance Company About Enterprise Annuity Investment Management

In recent years,with the increasingly severe problem of population aging,the shortcomings of the basic old-age insurance have begun to appear,resulting in the existing pension needs are difficult to meet.In order to make up for such deficiencies and meet the actual needs of elderly people and avoid the appearance of fiscal crisis,corporate annuities are playing an increasingly important role.The investment income of the enterprise annuity can expand the accumulation of funds.Such investment income can not only increase the enthusiasm of the enterprises to participate in the enterprise annuity,but also increase the scale effect.At the same time,the participants of the enterprise annuity can also obtain higher wage levels after retirement and realize the old age.With the improvement of the quality of life,this can also alleviate the shortcomings in the basic social security system and once again enhance the protection of our system.Therefore,it is of great practical significance to study the issue of enterprise annuity investment management.Corporate annuities first emerged in Western countries,and they took a long time to develop.So far they have basically matured.This system has only been introduced into China in recent years.Due to the short development time,there are still various problems that need to be solved in the implementationprocess.In order to improve the operating efficiency of enterprise annuities,the Chinese government is actively issuing policies to achieve optimization of the macro environment.With the support of the government and economic environment,the enterprise annuity market has also achieved very good development.Taiping Pension Insurance Company predicts that with the promotion of aging population,China's pension market will continue to maintain a rapid development trend,which is also very helpful for the development of enterprises.Under the guidance of this kind of forecasting thought,Taiping Pension Insurance Company started to run the enterprise annuity business in 2004.Since the field involving this market was earlier,it also helped it lay the advantage in this field.This advantage has been still Existence,but there are still some problems in the investment management of the important aspects of enterprise annuity management.This paper adopts a case study method to analyze the actual development of enterprise annuity in China and its insurance institutions on the basis of combing relevant existing theories,and conducts an in-depth study on the status quo of enterprise annuity investment management of Taiping Pension Insurance Company,summarizing the research process.Problems,analysis of the causes of the problems,and finally,drawing lessons from the experience of domestic and foreign investment management models in developed regions,put forward optimization suggestions to help Taiping Pension Company enhance its market response,better adapt to development trends,and adjust investment.Management mechanism.After the study,the following conclusions are drawn: The problems of pension investment management in Taiping Pension Enterprise mainly include:weakening of the investment decision power of the enterprise annuity trustee,the need to increase the scale of investment management assets,the under-combination of the managed annuity collection plan,and the new investment Inadequate allocation of alternative assets in the tool.By summarizing the advanced experience of developed countries and regions at home and abroad,taking into account the actual development situation of the annuity business of Taiping Pension Enterprise,it finally lists the suggestions for optimizing the annuity investment management of Taiping Pension Enterprise: give full play to the role of the enterprise annuity trustee in formulating investment policy;Enhance the efficiency of corporate annuity investment,expand the scale of investment management assets;attach importance to corporate annuity collection plans,increase the share of investment managers in collective plans;optimize the allocation of corporate annuity assets,and make full use of alternative asset investment tools.