Research On Development Of Enterprise Annuity In Guangxi Zhuqng Autonomous Region

At present,China is facing the problem of population aging,increasing social security pressure.In this context,China has accelerated the pace of reform of the social security system,committed to creating a three pillar pension system,by the basic old-age insurance,enterprise annuity and personal savings together constitute a new structure of old-age insurance,to further protect the elderly back to life The Enterprise annuity as the second pillar of the pension insurance system,is playing an increasingly important role.As a supplementary endowment insurance,the basic old-age insurance system is a good supplement.In 2008,according to the spirit of the document issued by the Central Committee,Guangxi for the first time put forward a conditional enterprise can establish enterprise annuity,the government and the community began to attach importance to the development of enterprise annuity.Experienced eight years,the enterprise annuity in Guangxi rooted and have a certain development,but in the process there are still many problems.Mainly for the lack of policy support,institutional design is unreasonable,the accumulation of annuity funds,enterprise annuity can not meet the needs of workers,operating mechanism is not perfect and imperfect regulatory mechanisms and other issues.This paper starts from the literature review of domestic and foreign literature,combined with the latest and most authoritative research results at home and abroad,and collects and analyzes the data based on the actual situation of Guangxi,using literature research method and investigation and research method.It is believed that the reform mechanism of enterprise annuity plan and the implementation of preferential policies can be improved through the improvement of policies and regulations,the design of annuity system in science,the management mode of endowment insurance at home and abroad,and the establishment of innovative models in line with the development of Guangxi enterprises.To encourage the development of the collection of annuity plans and the implementation of flexible investment model,and enhance the accumulation of funds;to enhance business participation awareness,strengthen propaganda,and effectively protect the rights and interests of employees;to strengthen the annuity supervision and other measures to improve internal supervision and strengthen external neutral supervision,Through the above means to promote the development of enterprise annuity.