Enterprise annuity quietly approaches people's lives
2004-03-02 13:10 Updated Source: Some Opinions on Promoting Capital Market Reform and Opening and Stable Development "Encourage Compliance Funds to the Market. It is pointed out that "supporting insurance funds directly investing in capital markets, gradually improving the capital ratio of social security funds, enterprises to supplement pension funds, commercial insurance funds, etc." Comments "," Enterprise Supplementary Pension Fund "即" Enterprise Annuity is a supplementary pension fund that is voluntarily increased by enterprises and employees, which is important for improving my country's enterprise pension system. The "opinion" actively promotes the company's annual funds to the capital market, which can be said to be a great opportunity to develop enterprise annuity, which in turn promotes a great opportunity for the whole capital market. Since this week, this newspaper has opened up the "Enterprise Year Golden View" column, from the enterprise annuity management model, the enterprise annuity and capital city tastes the enterprise annuity, and hopes to make the company, financial institutions, Scholars, the government's relevant decision-making departments is widely exchanged to promote the development of my country's annualization policies. Mr. Li originally a technical personnel of a state-owned enterprise. Due to the incomplete productivity, he jumped into a private enterprise in the early 2003. He has more than 3,000 yuan from the company, but it is necessary to deduct more than 200 yuan for payment of basic pension, medical care. In addition, his company also purchased a group supplementary pension insurance to the insurance company, one of which needed to pay more than 300 yuan of insurance premiums per month. According to relevant national laws and supplementary pension insurance contracts, Mr. Li will receive a basic pension to the government after retirement, and at the same time get an additional pension from the insurance company. Mr. Li uses his own salary, the medical expenses are a specific form of the internationally implemented social insurance system or social security system, but the supplementary pension insurance purchased by the pay income during the period is usually said. A way of working in business agents. In recent years, with the continuous reform of my country's enterprise system, the gradual establishment of the market economy system, the retirement, medical, children's education, unemployment relief, work injury compensation, etc., directly affect the development and stability of socio-economic development. . In this context, how to raise social security funds, transform the traditional system-oriented retired pension welfare system as a social management operation mode, and become a focus issue of social economic development and reform in my country. To this end, my country has started the reform and exploration of the social security system from the early 1980s, preliminary establishment of basic pension insurance, medical insurance, and work injury insurance as the first pillar, to supplement the old-age insurance, education savings, etc. Social Security System. In recent years, in order to solve the problem of laid-off and unemployment workers, the minimum guarantee, unemployment relief and other measures have been launched. In 2002, the company's supplementary pension insurance was officially named enterprise annuity and conducted a series of new attempts in the management model of enterprise annuity, investment channels. According to preliminary statistics, the number of employees who participate in enterprise annuity in my country have exceeded 6 million, and the ranging size of corporate annuity has also exceeded 100 billion yuan, showing a rapid development momentum. Since my country's corporate annuity comes from supplementing pension insurance, the development has a short period of time, and many people are more unfamiliar. In fact, the history of many countries in Europe and the United States has reached nearly a hundred years, and there are many new people in various enterprises, and the management operation mode is also characteristic. Among them, enterprises have dominated in corporate annuities set up for pension or pension. So these countries often treat corporate annuity and pension or pensions as the same concept. In theory, corporate annuity is not only used to raise pension or pension, but also to raise and manage education funds, medical funds or other funds, but only to raise pension or pension practices more common. Therefore, corporate annuity and pension or pension is not a completely equivalent concept. In my country, the connotation of the enterprise annuity has not made a unified definition. At present, the company is directly positioned in the enterprise to supplement the old-age insurance, which is both different from the understanding of the European and American countries. There is also a deficiencies in theory.
