Development Of Construction Bank Corporate Pension Business

Eighteen of the third plenary session on the establishment of more equity reform ofsocial security system sustainable, puts forward the implementation of tax exemption andtax deferred tax policies, accelerate the development of the enterprise annuity, theoccupation pension, commercial insurance, attracting more funds to provide strong supportfor China’s pension system. For the society, it is an important measure to improve thesocial security system; to the government, this is the best way to reduce the fiscal burden;for enterprises, which is a necessary condition for the establishment of the modernenterprise system; for individuals, it is added to the vital interests of laborers protection.With China’s aging population is becoming more and more severe, as of September30,2013, the total number of the elderly population has more than200000000Chinese society.By the middle of this century, the total population of the elderly Chinese will account for30%of the total population of. China’s social security expenditure brought by the financialburden will grow with each passing day, of the government’s social security expenditurewill be overwhelmed.This paper is mainly based on the frequency of the background of the new deal inChina in2013, first of all, it discusses the definition of enterprise annuities, starting fromthe enterprise annuity system of social security, social science, economics andmanagement of the four aspects of theory, the basic rule in three aspects, pay tax andinvestment combination of the basic theory of enterprise annuity, explain profound theoriesin simple language description of the enterprise annuity. Secondly, on the basis oftheoretical research, analysis of the two aspects of tax and investment, influence of foreignadvanced theories of enterprise annuity in China, describes the status quo of China’senterprise annuity in the social level, system level and market level, status and commercialbank enterprise annuity five big relations, proposed the new deal challenges andopportunities for commercial banks to carry out the business enterprise annuity, advantagesand disadvantages and further analysis of the Construction Bank of enterprise annuitybusiness in the development process by using SWOT analysis method, and finallyexpounds three direction of gold business development bank business: business innovationdirection and the direction of reform and development, marketing direction.To sum up, we will usher in the great development of enterprise annuity marketChinese another gold for ten years, it will cause the market competition. How to developthe business in the fierce competition in the market and occupy a favorable position andmarket share, for the commercial banks in our country is a strategic development research.