China Construction Bank Branch In Shaanxi Enterprise Annuity Business Development Countermeasure Research

The national "Twelve-Five" development plan, identified to speed up the construction ofsocial security system covering urban and rural residents, develop corporate pension. NationalSociety joint banking regulator, the Securities and Futures Commission, the China insuranceregulatory Commission and other three ministries issued a revised corporate annuities,11th,introduced a collection plan management approach (58th), the Commission also called for thedevelopment of enterprise annuity in China’s capital market in the near future. Annuitypolicy-intensive place, fully reflect government authorities attached great importance to andsupport of the enterprise Annuity business, for the rapid development of enterprise Annuitybusiness provided a favorable opportunity for policy. At the same time, current trends inpopulation ageing in our country objectively, also pressed for old-age security systemcontinues to improve, according to one Ministry of social planning, the "Twelve-Five" scaleof enterprise annuities will reach1trillion yuan for the period, only about300billion yuan,market prospects are promising. This shows that the golden age of pension business is coming.In the next few years, will be divided among the pension service agencies competing, criticalperiod of pension market. Enterprise annuity market, construction Bank of China Shaanxibranch will face more challenges and opportunities for business development.To ensure the rapid development of business, actively soliciting annuity market, lookingfor operational gaps, papers from the perspective of development of commercial bank’sEnterprise Annuity business, through to the construction Bank of China Shaanxi branchorganization structure of enterprise Annuity business and Enterprise Annuity business start-upthrough that, further to the construction Bank of China Shaanxi branch Enterprise Annuitybusiness problems and difficulties faced by early stage for detailed analysis。Some branches tothe annuity business development insufficient importance, development imbalance betweenthe various branches; Account manager keeps track of a lack of capacity; Annuity marketingthere is a lack of confidence in external policies are inadequate, on Enterprise enthusiasm isnot high; Lack of talent directly restricting the rapid development of enterprise Annuitybusiness; Annuity business products tend to be homogenous, restricting corporate pensionbusiness development; Enterprise Annuity business marketing strategies need to be improved; Traditional incentive and restraint mechanisms for enterprise Annuity business, incentiveeffect is not obvious. Which construction Bank of China Shaanxi branch development andcountermeasures of enterprise Annuity business in the future: Multiple strategiessimultaneously improving the incentive and restraint mechanism, strengthening of personneltraining, active and innovative products, enhance marketing strategies, deepen cooperationand promote the China Construction Bank Pension Trustees "rhythm music" series collectionof annuity plan expanding pension trustee services, to seize the small and medium enterpriseannuity customers business market.