Study On The Pattern That The Medium-sized And Small Enterprises Develop Annuity

On the basis of the theories such as the investment funds theory, the enterprise annuity theory,the multiviant risk theory, the finance time restricting theory and so on,after the analysis of the current situation and deep-seated causes that our country medium-sized and small enterprise annuity develops, and the study Pattern and characteristic on medium-sized and small enterprise annuity of USA, Japan, Germany, Hong Kong, the main body of a book decided the 10 big factors which should be consided when we build the annuity structure that our country medium-sized and small enterprise annuity develops, then structured the pattern that our country medium-sized and small enterprises annuity develops.The annuity Structure is composed of inside pattern and outside pattern. The inside pattern is the annuity benefit arrangement in the medium-sized and small enterprises.while the outside pattern is the way that the medium-sized and small enterprises room are in motion and doe business combinedly on the annuity. After having accomplished to build the annuity structure, the article also bring forward the supporting measures to promote the development of our country medium-sized and small enterprises annuity in a sustainable way.The article which includes nine chapters can be divided six parties. The first chapter belongs to the first party,which mainly studies the background and problems that the article wants to study, the train of thought and the way that the article has used,the structure of the article and the material that the article has used, the brightened dots and the creativeness of the article. The second chapter belongs to the second party,which includes the theories that the article has drawed lessons. The third chapter and the fourth chapter belong to the third party, which has analysed the current situation that our country medium-sized and small enterprises annuity develops and the main causes which lead to the development lagging of our country's medium-sized and small enterprises annuity, which has studied the medium-sized and small enterprises annuity pattern of Foreign countries,such as USA, Japan, Germany, our country Hong Kong and so on and summed up quite a few enlightenments which is benefital to develop our country's medium-sized and small enterprises annuity. The fifth chapter, the sixth chapter and the seventh chapter belong to the fourth party of the article,which is the process that structured the pattern of our country's medium-sized and small enterprises annuity, is the score of the article. The eighth chapter belongs to the fifth party of the article, which has brought forward the supporting measures to promote the development of our country medium-sized and small enterprises annuity in a sustainable way. The ninth chapter belongs to the last party of the article.which has reached the research conclusion of the article.on the basis of the study,summing up and admitting the human being studies, having using the mature experience on home and abroad society endowment insurance and commerce insurance developing products,the article has studied the pattern problem on our country medium-sized and small enterprises annuity development and structured the pattern. Main conclusions of the article as follows:1,The enterprise annuity is an important component of the social se'curity system. Its capital is raised by the enterprise or enterprise and the employee together. It is a fund to supplement endowment insurance of the employee, whose fundamental society economy function is antagonism old age-rization crisis to ensure the old people economic security.2,Medium-sized and small enterprises have already been the basis strength for our country national economy to Continue increasing stably.They are bringing the gigantic effect in the respect of attracting accepting more person employment, keeping economy continuing stabilizing operation and cultivating new points of economic growth, creating more material wealth and so on. Promoting healthy coordinated growth of medium-sized and small enterprises annuity have practical and immediate significance to correct gradually outstanding problem of an aging population relieving our country and structure harmonious society of socialism.3,That the pattern of our country medium-sized and small enterprises annuity development is the top storey design of the medium-sized and small enterprises annuity plans. In order to promote the development of our country medium-sized and small enterprises annuity Sustainable,every enterprise must persist the principles such as "giving priority to efficiency, giving consideration to fairness, science reasonableness, the principle acting according to self's ability ",and each enterprise must be in motion and do business to persist principles as "uniting, solid investment, circulation are smooth, advance and retreat standard ".Only by doing so,can our country medium-sized and small enterprises annuity be in full of vigour,and become stronger and stronger.4,In order to promote our country medium-sized and small enterprises annuity's development, the government ought to reinforce enterprise annuity system propagating, and pass tax revenue preferential measures, even, the government subsidy, at the same time, effective inspection on medium-sized and small enterprises annuity's development is also necessary.