Research On The Optimization Of The Implementation Path Of Shanghai Enterprise Annuity System

With the continuous advancement of my country's social security system reform,the three-pillar endowment insurance system constructed with basic endowment insurance,supplementary endowment insurance and individual commercial endowment insurance has been gradually improved,and enterprise annuity,as the main form of the second pillar compensation pension insurance,has been gradually improved.After nearly two decades of operation,it is still in its infancy,and it has not yet played its role in alleviating the pressure on basic pension insurance,reducing financial expenditures,and ensuring the retirement living standards of employees.However,due to the gradual expansion of the basic pension insurance gap,it is necessary to speed up the optimization and perfection of the enterprise annuity system at this stage,promote the rapid development of enterprise annuity,play its role as the second pillar of pension insurance,and finally realize the implementation of my country's multi-level pension insurance system.This article focuses on the representative city of Shanghai.Shanghai is the national economic center and is relatively representative in terms of enterprise annuity development.Based on the latest national and Shanghai enterprise annuity data,this paper analyzes the implementation of the Smith policy implementation model from the perspective of public policy,and summarizes the implementation of the Shanghai enterprise annuity system from the four dimensions of idealized policies,implementing agencies,target groups,and policy environment.There are several major problems: low participation rate,low substitution rate,inadequate supervision,insufficient publicity,and poor policy environment.Based on the above problems,this article analyzes the causes of the problems from the four dimensions of the policy implementation model,including imperfect systems,insufficient supervision awareness,insufficient publicity,and insufficient tax incentives.After sorting out the mature experience of Hong Kong and the US corporate annuity system,we can get the inspiration for the optimization path of Shanghai corporate annuity system.Finally,this article focuses on the existing problems of the Shanghai enterprise annuity system,from improving the system's binding force and incentives,gradually opening up fund investment restrictions,optimizing the regulatory system,strengthening system propaganda,and promoting corporate burden reduction to ensure the smooth implementation of the Shanghai enterprise annuity system.Put forward optimization suggestions,hoping to help promote the accelerated development of Shanghai's enterprise annuity system,and implement a multi-level old-age security system as soon as possible.