【作者】 张丽平；

【导师】 孙守纪；

【作者基本信息】 对外经济贸易大学 ， 金融学， 2019， 硕士

【摘要】 建立基本养老保险、企业(职业)年金、个人储蓄性养老和商业养老保险相结合的多层次养老保险体系,是我国养老保险制度发展的客观需要,也是国际上的通行做法。总体上看,近些年我国企业年金和个人储蓄性养老保险的发展步伐较为缓慢,总体规模不大,覆盖范围小,替代功能有限。下一步,我国将按照党的十八届三中全会关于“加快发展企业年金、职业年金,构建多层次社会保障体系”的要求,进一步完善有关政策措施,大力支持“三支柱”养老保险体系建设。本文首先介绍了国内外企业年金的发展概况、特点及运营机制。然后梳理了在企业年金市场需求逐渐增大的过程中,我国银行业积极地参与企业年金管理的情况。截止至今,包括银行业、保险业在内的36家专业机构已获得了企业年金运营资质,市场竞争日益白热化。其中能够获得企业年金管理资质的银行仅3家,包括工商银行、建设银行、招商银行,其他7家银行获得了企业年金账户管理人和托管人的资格,这些都是国内银行业实力雄厚、资质优越的机构。在企业年金管理收益颇丰的吸引下,其他金融机构也都接踵而至。最后通过SWOT组合分析法,对银行业参与企业年金管理的政策法规、资金实力、人员管理、客户维护、技术设施保障、外部竞争等方面进行了剖析,希望银行业能在此背景下,抓住机遇,直面挑战,取得业务发展。更多还原

【Abstract】 The establishment of a multi-level old-age insurance system combining basic old-age insurance,enterprise(occupational)annuity,individual savings and commercial old-age insurance is an objective need for the development of China’s old-age insurance system and a common practice internationally.Generally speaking,the development pace of enterprise annuity and individual saving endowment insurance in China is relatively slow,with small overall scale,small coverage and limited substitution function.In the next step,we will further improve relevant policies and measures in accordance with the requirements of the third plenary session of the 18 th CPC central committee on "accelerating the development of enterprise annuity and occupational annuity,and building a multi-level social security system",and in combination with the opinions and Suggestions of deputies,and vigorously support the construction of the "three pillars" old-age insurance system.At present,36 professional institutions,including the banking and insurance industry,have obtained the qualification of enterprise annuity operation,and the market competition is increasingly fierce.This paper firstly introduces the development,characteristics and operation mechanism of enterprise annuity at home and abroad.In the process of increasing the market demand of the enterprise annuity,the banking industry of our country also takes an active part in the enterprise annuity management.By the end of 2017,only three Banks,including industrial and commercial bank of China,China construction bank and China merchants bank,have obtained the qualification of enterprise annuity account manager and custodian,and the other seven Banks have all set an example of the strength and superior qualification of the domestic banking industry.In the enterprise annuity management income quite abundant attraction,other financial institutions also come one after another.This paper analyzes the policies and regulations,capital strength,personnel management,customer maintenance,technical facilities guarantee,external competition and other aspects of the banking industry’s participation in the enterprise annuity management through the SWOT portfolio analysis method,hoping that the banking industry can seize the opportunities,face the challenges,and achieve business development in this context.更多还原