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Discussion of the management of pension insurance companies operating in China 's enterprise annuity market

Author: FengYi
Tutor: ChenXueBin
School: Fudan University
Course: Finance
Keywords: Enterprise annuity Pension insurance company Product Design Investment Management Sales and service
CLC: F842.6
Type: Master's thesis
Year: 2008
Downloads: 637
Quote: 2
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Abstract


The three-pillar pension security system has become the development direction of the reform of old-age security system, the enterprise annuity is the second pillar. Since 2004, according to the enterprise annuity market operation principle of the State Council, China introduced a series of norms and regulations of the enterprise annuity system, which greatly promoted the development of enterprise annuity. The core of the enterprise annuity system the trust enterprise annuity governance structure and management model, which allows financial institutions and professional organizations are involved in the management of enterprise annuity, opportunities and challenges for the development of financial institutions and professional organizations. At the same time, the establishment of trust-type enterprise annuity system also spawned a new enterprise annuity fund management institutions - pension insurance company. This article is focused on the professional organizations in this nascent research. The article is divided into two steps of the pension insurance company and pension insurance companies in China's enterprise annuity market positioning analysis, the first step from the macro side, the second step to study the operation and management of the pension insurance company from the microscopic surface key issues. In the first step, this paper summarizes the international experience and a comparison of the advantages and disadvantages of China's enterprise annuity market competitors and pension insurance company SWOT analysis, that the pre-eminent position of the pension insurance company in China in the future annuity market both the theoretical basis and reality reference, and then take into account the background enjoy the many business resources pension insurance company for life insurance companies and insurance group pension insurance company in the enterprise annuity market has broad prospects for the business, it is fully equipped with the leading enterprise annuity market potential and qualifications . Its core advantage of the enterprise annuity products can provide a variety of enterprise annuity fund management services, and has a strong sales ability. The second step into the research in the field of micro-business management of the pension insurance company. Detailed analysis of the problem of how to play a central advantage to dominate the enterprise annuity market. First, the pension insurance company the enterprise annuity product design issues. The inherent advantages of the pension insurance company in the enterprise annuity product design is the ability to use actuarial techniques and relying on the experience in the life insurance company, insurance group to design a variety of products, but is also facing many difficulties and problems, such as new trust model the impact of the existing contract mode, DB mode is not a legal problem, product improvement and innovation of the contractual issues, and so on. This article focuses on the views and suggestions of the use of the actuarial technical design DC enterprise annuity single plan, analysis of the design features of the collection of enterprise annuity plan, put forward suggestions for improvement of the enterprise annuity investment insurance products and annuity of receiving product development and innovation . Through the analysis of this paper is the face of difficulties and problems, the pension insurance company to increase the intensity of product improvement and innovation. Strengthen the of actuarial technology in the trust enterprise annuities single plan; collection annuity plan of the future focus of market competition, a good grasp of policy trends, learn from the experience of foreign experience and trust companies active product research and development to prepare; investment insurance products through improvement charges, functions and asset allocation, will have the potential to become competitive in the future of the enterprise annuity fund investment vehicles; the annuitization receive product is the unique advantages of the traditional insurance industry, pension insurance companies to increase development efforts and innovation, differentiated in index-linked products, variable payment products, joint survival and the last surviving annuity products to increase innovation. Secondly, the annuity investment management of pension insurance companies. The core of the enterprise annuity fund management, investment management, investment management core of annuity asset allocation and asset liability management. Asset allocation directly determines the level of annuity investment income, asset and liability management capability directly affect the stability of the structure of the annuity payment. This paper examines the pension insurance companies can use asset allocation strategy, and how to implement enterprise annuity investment based on asset-liability management. This paper argues that the face of the enterprise annuity investment has security, mobility, and long-term stability of the added value and future investment options vested personal characteristics, combined with the characteristics of China's capital market in the last stage of configuration using portfolio insurance strategy, positive indexation allocation strategy , the lifecycle allocation strategy to be a safer and suitable way. For the enterprise annuity investments based on asset-liability management, the paper argues that the direction of development of our annuity investment management, is to dominate the enterprise annuity market pension insurance companies must focus on to be studied. Pension insurance company can take advantage of relying on the life insurance company or insurance group in asset and liability management, in addition to the traditional strengths of the insurance asset liability management, the practice can also further strengthen the implementation of specialized asset-liability management, investment in the enterprise annuity operation to stay ahead. Combined with the actual situation, the paper argues that emerging enterprise annuity pension insurance company balance management application implementation, including change management organizational structure, the traditional technology and methods, and a new method for the use of building information systems. Finally, the pension insurance company the enterprise annuity sales and services. Yet to launch the face of the policy of tax advantages, the annuity market is not yet fully operational, the stock market deadline of the low level of price competition, the bank has access to the trustee qualification status quo. This paper argues that the pension insurance companies have a competitive advantage through further strengthen the target customers to open up, to seize the opportunities of the market-oriented, strengthen the construction of channel integration, strengthening the service means to consolidate and develop, strengthen the management of public relations. The pension insurance company's core business is the enterprise annuity business, through the strengthening of the core strengths above inevitably will in the future of the enterprise annuity market take the initiative to become the leader of the enterprise annuity market, to promote the development and prosperity of China's enterprise annuity market. This study hopes to be able to guide the work of some of the the emerging pension insurance company practice.

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