我国商业银行企业年金市场角色定位研究

发布时间：2018-05-28 18:25

本文选题：商业银行 + 企业年金　；参考：《山西财经大学》2012年硕士论文

【摘要】：劳动和社会保障部先后于2005年和2007年两次颁布企业年金基金管理机构名单，其中包括商业银行、信托公司、保险公司、证券公司、基金管理公司等。2011年5月1日实施的《企业年金基金管理办法》又进一步明确了我国企业年金市场中基金受托人、账户管理人、托管人、投资管理人的具体职责。面对快速增长的企业年金市场，获得牌照的各金融机构都已积极准备，力争在年金市场中占据一席地位。商业银行如何在企业年金市场激烈的竞争中看清事实，确定其在市场中的角色，充分发挥自身优势都是本文所要研究和分析的。本文首先从企业年金的理论介绍入手，概述了企业年金、年金市场的概念及相关理论，同时分析了企业年金业务对商业银行的影响和商业银行开展企业年金业务的必要性。接着介绍典型国家企业年金制度和银行在制度下如何确立自己在年金市场的地位，，我国商业银行与获得牌照的其他金融机构竞争各当事人的优劣势和当前银行开展企业年金业务现状及制约因素，然后通过博弈论分析银行与竞争对手在竞争企业年金市场中主体角色的各种情形，选择适合当前我国商业银行在企业年金市场的最优发展模式，最后提出巩固我国商业银行企业年金市场中的地位策略。
[Abstract]:The Ministry of Labor and Social Security issued a list of occupational pension fund management agencies in 2005 and 2007 respectively, including commercial banks, trust companies, insurance companies, and securities companies. Fund Management Company, etc. The "measures for the Management of Enterprise Pension Fund" implemented on May 1, 2011 further clarifies the specific duties of fund trustees, account managers, custodians and investment managers in China's enterprise annuity market. In the face of the rapid growth of the enterprise annuity market, the licensed financial institutions have been actively prepared to occupy a position in the annuity market. How to see the facts clearly in the fierce competition of the enterprise annuity market, determine its role in the market, and give full play to its own advantages are all to be studied and analyzed in this paper. This paper begins with the introduction of enterprise annuity theory, summarizes the concept of enterprise annuity, annuity market and related theories, and analyzes the influence of enterprise annuity business on commercial banks and the necessity of commercial banks to carry out enterprise annuity business. Then it introduces the typical national enterprise annuity system and how the banks establish their position in the annuity market under the system. The advantages and disadvantages of Chinese commercial banks competing with other licensed financial institutions and the current situation and restrictive factors for banks to carry out enterprise annuity business, Then through the game theory analysis of the main role of banks and competitors in the competitive enterprise annuity market, choose the best development model suitable for the current commercial banks in the enterprise annuity market. Finally, the paper puts forward the strategy of consolidating the position in the enterprise annuity market of China's commercial banks.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2;F842.6

【相似文献】