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Study on Investment Risk Control of Enterprise Annuity Fund in China

Author: DuSiYao
Tutor: HuQiuMing; WangZhiChao
School: Southwestern University of Finance and Economics
Course: Insurance
Keywords: enterprise annuity assets allocation risk control fund management
CLC: F842.6
Type: Master's thesis
Year: 2013
Downloads: 115
Quote: 0
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Abstract


In recent years, though China’s aging problem becomes severer, there are many obstacles when implementing old-age insurance system. Enterprise annuity, well known as the second pillar in old-aging insurance system in most countries throughout the world, once soundly develops, plays a significant role in improving existing old-age insurance system, covers the shortage of social basic old-age insurance and enhances the living standards and qualities of retired people. Since our enterprise annuity started late and underdeveloped, many defects stay in not only related laws and policies, but also management procedures of enterprise annuity itself. Enterprise annuity funds management, as one of the most important components on enterprise annuity system, as long as operated safely and effectively, will better guarantees the preservation and appreciation of enterprise annuity and the life standards of retired people.The investment risk management for enterprise annuity funds is one of the critical parts in enterprise annuity funds management. In this article, we mainly introduce the current situation of China’s enterprises annuity funds and several typical allocation modes and the control techniques in enterprise annuity funds. By learning precious experience for enterprise annuity fund management from western countries, we summarize some suggestions for China’s enterprise annuity fund control technique improvement to solve its deficits.In this article, there are five chapters:Chapter one, Chapter Introduction part describes the research background and purpose, the enterprise annuity research literature at home and abroad, the research methods, innovations and inadequacies.Chapter two, a main discuss about the basic properties, theoretical basis and function definition in China’s enterprise annuity system. As the second pillar in China’s social old-age insurance system, enterprise annuity system has obvious characteristics for pension and security. The theoretical foundations for enterprise annuity are Multi-level, Old-age Security Theory, Salary Payment Delay Theory, Differential Wages Payment Theory, Life Cycle Theory and etc. In this article, we mainly give precise discusses for these primary theories. Besides, as a critical old-age security system, enterprise annuity system has tremendous functions for nation, enterprise and individual.Chapter there, brief introduction about models and characteristics in international enterprise annuity fund management and discussion about techniques for annuity funds allocation and risk control in several typical countries. In this part, we mainly analyze four enterprise annuity fund management models, which are corporate type, contractual type, trust type and fund type. We also illustrate policies for enterprise annuity fund allocation in America, Japan and Australia, and analyze their characteristics and trends based on enterprise annuity fund investment data in these countries recently.Chapter four, main description about the Chinese enterprise annuity fund investment current status and problems. In Section One, we introduce the historical development in China’s enterprise annuity system. In Section Two, we give an illustration about China’s current enterprise annuity fund operation situation. In Section Three, we talk about the risks and problems in China’s enterprises. annuity investment.Chapter five, some suggestions about the improvement of China’s enterprise annuity fund investment risk control techniques. There are six sections in this chapter talking about improvement of China’s lowest old-age security technique, to diversify asset allocation, strengthen funds management, enhance inner enterprise control, reinforce government supervision and fulfill supervisions among interest subjects respectively.Although in recent years, the rate of return in enterprise annuity fund investment is far higher than inflation rate, and the return of investment is pleasant, at the same time, the rate of investment is also very fluctuant and the growth of enterprise annuity fund is unstable. As one of the important parts of enterprise annuity fund investment management, it is crucial to analyze the techniques for enterprise annuity fund investment risk control. It is admitted that the writer has some confinement in knowledge and understanding of this topic, so it is possible that this article have some shortcomings. But we still hope that this article may have some help in analyzing enterprise annuity fund risk management in the future.

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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry > Various types of insurance
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