【作者】 江涛；

【导师】 魏龙；

【作者基本信息】 武汉理工大学 ， 国际贸易学， 2005， 硕士

【摘要】 人口的日益老龄化以及随之而来的老龄人口养老问题一直是世界上众多政府所关注的焦点,中国政府同样也不例外。从当前我国养老体系的运作状况来看,计划经济体制下延伸而至的以国家为主体的养老体系已经远远不能满足当前的需求,建立以企业年金为支柱的多层次养老体系势在必行。但是多层次的养老体系到底如何建立,以什么样的模式来建立同样也是大家所高度关注的问题。就此问题本文进行了比较充分的讨论,希望结合当前中国的实际和国外比较成熟的做法,为国内企业年金的运行模式做出一定的贡献。 从上世纪九十年代早期中国政府就努力尝试着改变由国家为主导的养老体系,但是效果不是很明显。近两年来国家明显加快了前进的步伐,相继颁布相关法规以保障年金市场运作的市场化和规范化。在国家为企业年金的法制化运作奠定基石后,那么有资格入围的机构谁能够分得最大的蛋糕,就成为了大家所共同关注的问题,也是本文所要重点讨论的问题。本文在就当前国家法制规定下的资格机构进行了分析讨论后,认为在当前的现状下,券商最有可能成为企业年金运做的主渠道,而其他合格机构存在着法律或者其他方面的缺陷,而在现在的情况下不大可能成为企业年金运作的主渠道。 本文的研究思路可以分为以下几部分:一、论述企业年金的写作背景及国内外的研究状况,使得对企业年金课题的现状有一个大体的认识;二、阐述当前在我国建立企业年金的必要性和紧迫性;三、主要就企业年金的法理模式进行讨论,找出当前最适合企业年金运作的模式,此部分也是本文的创新点之一;四、在对当前企业年金资格机构进行分析比较后认为,券商凭借其综合实力有可能成为企业年金运营的主渠道;五、五部分和六部分则是在券商主导的机制上,就券商年金产品的设计和营销进行了讨论,提出了相关设计模型和有针对性的建议对策。 本文就对建立企业年金券商主导体系的展开论述,并就其的法理模式、产品设计及营销等方面进行了一系列的探讨,在借鉴国内外已有研究的基础上就相关问题提出了自己的见解,希望能够对企业年金运作的实际问题提供一条可资借鉴的解决方案。更多还原

【Abstract】 The increasing aging population, and their living welfare are widely concerned by many governments in the world with no exception for the Chinese government. But pension system extended from planned-economy is far enough to meet the current demands mainly from the nation according to management situation of pension system, and it’s very urgent to erect multi-dimensional pension system.Chinese government has been trying to change pension system mainly supported by the nation since 1990s. Unfortunately there was less effect than what government expected. From early 1990s, the government has speeded up its steps obviously, relevant laws were enacted in the past two years, aiming at improving the marketization and regulation of pension market .Who can share the biggest part of cake in qualified institutions become the common focus cared by many people after the legal framework having been come into effect, this come to the important concerns in this thesis.This thesis consists of seven parts: First, it makes readers have a general understanding to pension by introducing the background on pension issue and the current study situation; Secondly, this thesis illustrates the necessity and urgent need of erecting pension system; The third, the considerable discusses have been paid to discuss the legal models of pension system and expecting to find the best suitable model of pension running system. This part is one innovative point of this thesis; in Part four, the author concludes that securities companies are qualified institutions as the main channel of running pension after comparing advantages and disadvantages among others. In part five and six, the thesis discussed the design and marketing of pension products based on securities companies and presented relevant design model and countermeasure suggestions..This thesis is concentrated on erecting pension system mainly led by securities corporations, the legislative model, product design and marketing, presenting beyond existing studies, hoping to make my contribution a solution approach to the realistic problem of running pension in china.更多还原