The Demand Analysis Of Enterprise Pension And The Mode Design Research In China

Speak of the development of enterprise pension; we must mention the supplementary pension in China. In 2000, our government first used the name of supplementary pension. From 1991 till now, the development of the enterprise pension in our country has been more than ten years, though we have gained the great achievement, we also have a long distance with the developed countries. In this article, we use the methods of qualitative analysis and quantitative analysis, and the actuarial theory, to analyze the problems in the development of enterprise pension in our country.First, from 2000 to now, the development of our enterprise pension has been many years, but few of men know about it. Even in the insurance and finance field, there are some ones don't know what is enterprise pension. So we have the necessity to expatiate the basic theory of enterprise pension in detail, especially the conception and classification of enterprise pension, and the development situation in our country. These are the contents of Chapter One.Second, Due to the undefined demand of enterprise pension in our country, the government,enterprises and employees know little about enterprise pension, know little about why to develop enterprise pension, so they have no motivity to participate in it. Meanwhile, as a result of the undefined demand, the government cannot guide and supervise the enterprise pension development effectively, and the enterprise pension market is out-of-order. So we must exhaustively analyze the government,enterprises and employees'demand toward enterprise pension. These are the contents of Chapter Two.Third, in order to calculate the contribution and benefit of enterprise pension, we need the knowledge of the pension actuary. The operation principle of defined contribution mode and defined benefit mode is different. In China, whether we ought to select the defined contribution mode, whether we ought to order all the enterprises to select the same mode, and so on. These questions are worthy of our researching. Therefore, we need to study the contribution principle, the advantage and disadvantage of DB and DC mode, and then design the suitable enterprise pension mode for our actual economy. These are the contents of Chapter Three and Chapter Four.