Research On The Bidding Of Pension Insurance Fund Business Of C Bank Institutions And Institutions

On January 4,2015,the State Council issued the Decision on the Endowment Insurance System for Employed Personnel in Government Institutions(GuoFa[2015]2),and decided to reform the national endowment insurance for government institutions from October 1,2014.August 2015,in order to carry out the decision of the State Council,J Province launched its own process of the reform after careful preparation.J Province will choose agency banks for the four accounts involved in the collection and payment of the pension insurance for government institutions through public bidding.These four accounts include "income account for basic pension insurance in government institutions","payment account for basic pension insurance in government institutions","income account for annuity in government institutions",and "Accumulation account for annuity in government institutions".The reform breaks the original business territory of commercial banks in the pension business,to give C Bank a rare strategic opportunity to develop new business in pension fund market.In J Province,the reform of pension fund management in government institutions has entered a phase of hardness,confronting with extraordinary difficulty and conflicts.In the solution of the tender accounts,each account will face a few difficulties,which reflect the problems in the phase of hardness.The main purpose of this paper is to put forward solid solution for the contradictory key points.This paper illustrates the current tenders and existing problems for the pension fund management in government institutions under four accounts at C Bank.In this paper,the background of the issues,the attitudes of the relevant parties,the conflicts between regulations and systems and others aspects are being studied to find out the root cause of the problem.From the daily operation at the bank,some suggestions and solutions are put forward to improve the current tenders at C Bank for pension fund management in government in stitutions.These proposals are combined with the actual situation of Bank C,and fully utilize the advantages of its human resources,system development,capital and cost,brand and business.At the same time,information technology is another key point to solve the problems.The introduction of information technology brings convenience,efficient connection and powerful functions.By seizing the opportunity of pension insurance reform at government institutions,the development of more advanced IT systems at C Bank will not only realize competitive advantage for the bank in public bidding,but also improve its overall service quality.The ideas and proposals put forward in this paper are based on the current process and stage of the reform,with timeliness.As the first-hand information on current pension reform in provincial government institutions,the study is forward-looking.There may be changes and development as the reform moving forward.