Research On The Entrusted Risk Management Of S Group's Enterprise Annuity Plan

In recent years,our government and the general public have been strengthening their understanding of the aging of the population and the countermeasures to it.As the first system of multi-level pension security system reform,Enterprise annuity provides valuable research cases and development experience for the market-oriented operation of basic pension,the establishment of occupational annuity,and the improvement and development of commercial pension insurance system.Entrusted management is the key factor for the success or failure of enterprise annuity operation and management.Based on the trust legal relationship,it is the key link between the client and the account manager,the custodian,the investment manager in the enterprise annuity.At the same time,it requires the trustee to have financial,banking,accounting,legal and other knowledge talents as well as important capabilities in management,operation,investment,system research and development.At present,the research and application of trust asset management system in our country is still in the initial stage,and the financial management concept of ordinary people needs to be improved,which makes the research of enterprise annuity trust management has quite important value.This paper will take s group's enterprise annuity plan as the research object,according to PMBOK's research system and JS bank's entrusted team's management experience for many years,make a detailed description and introduction of S Group's entrusted management status,and use brainstorming,scenario analysis,historical experience and other methods to identify and summarize risk factors one by one,through qualitative analysis,quantitative analysis and decision-making Tree analysis and other methods are used to analyze and summarize the identified risk factors step by step,and the key risk factors affecting the entrusted management of S Group's enterprise annuity plan are obtained.Finally,according to the risk types such as organization,operation,management and the degree of risk,the corresponding countermeasures such as avoidance,reduction and transfer are put forward.This auther hopes that paper can provide some reference for trust asset management researchers,enterprise annuity staff and scholars and industry who are concerned about the development of enterprise annuity,and also provide rich materials for the corresponding theoretical development.