Design Of Pension Finance Business Plan For Trust Industry

With the acceleration of the pace of China's entry into an aging society,the issue of old-age care is receiving attention from governments,families and related social workers as a hot issue.Since the beginning of this century,with the increase of China's per capita disposable income and changes in people's lifestyles and pension concepts,the traditional model of relying on children's or the government's old-age care is undergoing tremendous changes,and various forms derived from the market mechanism The old-age care model is replacing the traditional old-age care model.Among them,the “trust financial old-age care” model based on the trust industry and cooperating with insurance institutions has gradually attracted people's attention.This article aims at China's middle-income group(this class is called the middle class)as the research object,and designs a "trust pension financial support plan" based on "endowment trust+ insurance",with a view to making contributions to the development of China's pension industry.Due contribution.The trust industry refers to the act of the trustee entrusting its property rights to the trustee based on the trust of the trustee,and the trustee will conduct management or punishment in his own name,for the benefit or specific purpose of the beneficiary,As the second largest asset management industry in the country,the industry is in a period of transformation.Combining with national support policies,the development of pension finance business in the trust industry can better promote the transformation of the trust industry.Therefore,relying on the trust industry to carry out pension finance business has special advantages in promoting the circulation of social idle funds,supporting the pension industry,and alleviating social pension pressure.In 2018,the “Anxin · Anyi Pension Consumption Collective Fund Plan” launched by Anxin Trust as the main body is the only trust pension product currently in operation.This article uses strategic analysis,financial analysis,and comparative analysis methods.Based on this case,it analyzes the future development of pension finance business in the trust industry.The framework of this article consists of four parts.The first part mainly explains the background and significance of the topic of the article,and combines the research of relevant scholars to lay the theoretical foundation for the writing of the full text.The second part aims to explain the prerequisites for promoting the trust industry to develop pension finance businessand Analyze the current pension industry trust products in the trust industry,find the key points that can be copied for the case,and provide a reference basis for the subsequent product design of "endowment trust + insurance".The third part is the discussion of the reasons for the trust to carry out pension finance business.It mainly analyzes how to promote the development of "endowment trust + insurance" from the development of the population and the development of the trust industry.The fourth part is to build a "trust pension financial support plan" based on "endowment trust + insurance" to promote the development of the pension industry.Based on the above analysis,the trust pension financial business designed in this article has the characteristics and advantages of conforming policies,serving a wide range of people,and insurance underwriting.It has reference significance for the future cooperation of financial institutions and the development of the trust industry.The implementation of the pension finance business plan provides useful help to solve the middle-aged pension problem.