| Chinese enterprise annuity system of basic old-age insurance, it is our country in recent years to develop and promote the "second pillar" pension. In order to meet the trend of Chinese aging population, To strengthen the standardization of the operation of capital markets and improve the incentive mechanism of enterprises and improve the living standards of workers after retirement, according to the characteristics of the design industry for Chinese IT industry annuity business model of this paper is about.In this paper, the concept of enterprise annuities, IT industry and related characteristics of the theory to describe, based on this model and the use of survey methods such as analysis of the IT industry, the demand for the establishment of enterprise annuities and motivation.The second section describes the small and medium-sized domestic and foreign representative of the enterprise annuity model, and comparative analysis of IT industry come to our country to establish enterprise annuity program Enlightenment. Chinese IT industry, and then combined with the design principles of enterprise annuity, as well as the IT industry in Chinese internal and external environment, the characteristics of Chinese IT industry, enterprise annuity model and location of the initial choice. On this basis, the exploration of Chinese IT industry, enterprise annuity model for how to determine a reasonable rate of substitution of the enterprise annuity, what kind of insurance model, employees choose how to pay the proportion of enterprises and employees to take what forms of payment (cash payment by cash or non-payment), as well as payment options, such as the size of issues discussed, and ultimately the establishment of "'2 & 3 'enterprise annuity model", that is, DC (defined contribution) model and trust model based on the determination of IT industry standards for enterprise annuity payment, payment methods and pay scale, that is, "2 & 3" model of enterprise annuity.Finally, the annuity will be established by the most representative of our model and the IT enterprise-LX the status of implementation of the enterprise annuity contrast analysis of the factors that businesses can learn from and make the implementation of targeted Countermeasures... |
