J银行企业年金业务发展战略研究

【作者】 高洁；

【导师】 齐捧虎；

【作者基本信息】 西北大学 ， 工商管理（专业学位）， 2018， 硕士

【摘要】 企业年金是我国养老保障制度的重要组成部分,是一种由企业以及企业的在职职工自主建立的补充性质的养老保险^[1]。自本世纪初,国家颁布实施《企业年金试行办法》后,企业年金发展进入快车道。2018年2月,国家人力资源和社会保障部实施《企业年金办法》,对企业年金发展进一步规范化,包括银行业、保险业在内的36家专业机构获得了企业年金运营资质,市场竞争日益白热化。在此背景下,如何抓住机遇,直面挑战,并取得业务发展,是银行业面临亟待解决的难题。本文以J银行作为研究对象,运用战略管理的相关理论,对J银行企业年金产品发展的内外部环境进行有效分析,并提出下一步战略发展方案。本论文首先介绍了企业年金的相关概念、建立基础及运作机制,以及战略管理的层次理论和过程理论。其次,运用PEST分析法、五力分析模型等分析方法,从内外部环境分析入手,对J银行企业年金发展进行了充分分析。接着,通过SWOT组合分析法,对J银行发展企业年金的内外部条件综合概括,从而制定出合理的战略备选方案,通过对J银行所处环境分析,确定J银行企业年金业务发展应采取的发展型战略态势。随后,确定J银行企业年金业务发展的战略定位、战略目标,以及产品营销、产品运营、产品合作和产品风控等战略实施具体内容。最后,分析了实施中的风险,并从技术保障、组织保障、人力保障和财务保障四个方面提出具体措施。更多还原

【Abstract】 Enterprise annuity is an important part of China’s old-age security system,and it is a supplementary old-age insurance established independently by enterprises and employees of enterprises [1].Since the beginning of this century,the state has promulgated the "trial measures for enterprise annuity",and the development of enterprise annuity has entered the fast track.In February 2018,the ministry of human resources and social security of the People’s Republic of China implemented the "measures on enterprise annuity",further standardizing the development of enterprise annuity.36 professional institutions,including banking industry and insurance industry,obtained the operational qualification of enterprise annuity,and market competition became increasingly fierce.In this context,how to seize the opportunities,face up to the challenges and achieve business development is a difficult problem that banking industry is faced with.This paper takes bank J as the research object and applies relevant theories of strategic management to make an effective analysis of the internal and external environment of the development of enterprise annuity products of bank J,and proposes the next strategic development plan.This paper first introduces the related concept of enterprise annuity,the establishment foundation and operation mechanism,as well as the level theory and procedure theory of strategic management.Secondly,by using PEST analysis method,five-force analysis model and other analysis methods,this paper starts with the analysis of internal and external environment to fully analyze the development of enterprise annuity of bank J.Then,the internal and external conditions for the development of enterprise annuity in bank J are comprehensively summarized through the SWOT combination analysis,so as to work out a reasonable strategic alternative plan.By analyzing the environment of bank J,the developmental strategic situation that should be adopted for the development of enterprise annuity in bank J is determined.Subsequently,the strategic positioning and strategic objectives of the development of enterprise annuity business of bank J were determined,as well as the specific implementation contents of strategies such as product marketing,product operation,product cooperation and product risk control.Finally,the risk of implementation is analyzed,and specific measures are proposed from four aspects: technical support,organizational support,human support and financial support.更多还原