商业银行企业年金业务的发展策略研究

发布时间：2018-07-10 14:11

本文选题：商业银行 + 企业年金业务　；参考：《江西财经大学》2014年硕士论文

【摘要】：人力资源和社会保障部先后于2005年8月和2007年11月两次公布了企业年金基金管理机构名单,其中包括保险公司、商业银行、基金管理公司、信托公司、证券公司及资产管理公司等共61家金融机构。2011年5月颁布的《企业年金基金管理办法》进一步界定了我国企业年金业务市场中基金受托人、托管人、账户管理人及投资管理人的职责范围,同时也促进了我国企业年金业务市场的发展,企业年金基金累计规模不断发展壮大,截止2013年第一季度,我国的企业年金基金累计规模已突破5000亿元。面对企业年金业务市场上数量众多的金融机构及发展潜力巨大且前景非常诱人的企业年金业务市场,商业银行从事企业年金业务的意义何在?究竟拥有哪些竞争优势、存在哪些竞争劣势?商业银行在企业年金业务市场中的最佳角色定位是什么?角色定位下的商业银行想在激烈的市场竞争中占据有利地位,应当采取什么样的发展策略?这些都是本文所要研究和分析的问题,也是我国商业银行在发展企业年金业务过程中迫切需要研究和解决的重大问题。本文基于商业银行的独特视角,首先介绍了我国企业年金的内涵及性质,接着,又对我国商业银行企业年金业务的内涵及特点进行介绍,并详细分析了我国商业银行从事企业年金业务的重要意义,明确商业银行参与企业年金业务的必要性；然后,重点分析了我国商业银行企业年金业务发展情况、各主要竞争对手的优劣势及商业银行自身的优劣势,基于上述分析及进一步的综合对比研究,笔者完成了对商业银行最佳的角色定位研究；最后,在最佳角色定位下,为我国商业银行更好的发展企业年金业务提出了一些有针对性和指导性的对策及建议。主要结论包括：(1)基金托管人及账户管理人是商业银行目前最适合担任的角色,受托人是商业银行必须全力争取“主角”地位的角色,而投资管理人是商业银行在逐渐做大受托人角色时努力争取的“配角”。(2)商业银行须抓住最为核心的企业年金受托人角色。笔者研究发现,如果一家金融机构在企业年金业务市场上获得的受托人资格越多,而且在受托人市场上的份额越大,那么它在投资管理人市场上的业绩表现将会更加突出!以保险公司为例,保险公司和商业银行都具备很强的法人受托能力,现在保险公司却在受托人市场上“一枝独秀”,占到受托市场份额的70%以上,而且其凭借着受托人的优势在投资管理人市场上已经和“最佳投资管理人”基金管理公司平起平坐。(3)保险公司既是商业银行在企业年金业务市场上最大的竞争对手,同时也是商业银行最好的合作伙伴。商业银行要不断加强与保险公司战略合作伙伴关系,实现强强联合、优势互补及资源互换,有助于商业银行增强自身综合竞争力,扩展企业年金业务市场空间,实现商业银行在受托人及投资管理人上的角色突破。
[Abstract]:In August 2005 and November 2007, the Ministry of human resources and Social Security announced the list of enterprise annuity fund management agencies two times, including insurance companies, commercial banks, fund management companies, trust companies, securities companies and Asset Management Co and other 61 financial institutions issued in May "enterprise annuity fund management method >". One step is to define the scope of the responsibilities of the funds of the enterprise annuity business in our country, which are the trustees, trustees, account managers and investment managers. At the same time, it also promotes the development of the enterprise annuity business market in our country. The accumulative scale of the enterprise annuity fund continues to expand. By the first quarter of 2013, the accumulative scale of the enterprise annuity fund in our country has already been made. Over 500 billion yuan. Facing the large number of financial institutions in the business annuity market and the great potential and attractive enterprise annuity business market, what is the meaning of the business annuity business for commercial banks? What are the competitive advantages and competitive disadvantages? Commercial banks are in the enterprise annuity market What is the position of the best role? What kind of development strategy should commercial banks want to take in the fierce market competition? These are all the problems that this article should study and analyze, and the important problems that our commercial banks need to study and solve urgently in the process of developing enterprise annuity business.
Based on the unique perspective of commercial banks, this paper first introduces the connotation and nature of China's enterprise annuity, then introduces the connotation and characteristics of the business annuity business of the commercial banks in China, and analyzes the significance of the business annuity business of our commercial banks in detail, and makes clear the necessity of the commercial banks' participation in the enterprise annuity business. Then, it analyzes the development of the business annuity business of our commercial banks, the advantages and disadvantages of the main competitors and the advantages and disadvantages of the commercial banks themselves. Based on the above analysis and further comprehensive comparison, the author has completed the research on the best role positioning of the commercial banks. Finally, under the best role orientation, it is our country. Commercial banks put forward some pertinent and guiding countermeasures and suggestions for better development of enterprise annuity business.
The main conclusions include: (1) the fund custodian and account manager is the most suitable role for commercial banks. The trustee is the role of the commercial bank to strive for the role of "leading role", and the investment manager is the "supporting role" for commercial banks to strive for when they are gradually doing the role of the trustee. (2) commercial banks must seize the most. At the core of the role of the enterprise annuity trustee, I found that if a financial institution has more qualified trustees in the enterprise annuity market and the greater its share in the trustee market, the performance will be more prominent in the investment manager market, with insurance companies as an example, insurance companies and business. The bank has a strong legal person trustee ability, but now the insurance company is "a single show" in the trustee market, accounting for more than 70% of the share of the entrusted market, and with the advantage of the trustee in the investment manager market, the insurance company has sat with the "best investment manager" fund management company. (3) the insurance company is both business. The bank's biggest competitor in the enterprise annuity market is also the best partner of the commercial bank. The commercial bank should continuously strengthen the strategic partnership with the insurance company, realize the combination of strong and strong, complementary advantages and exchange of resources, and help the commercial banks to enhance their comprehensive competitiveness and expand the enterprise annuity business market. Space to achieve a breakthrough in the role of commercial banks in trustees and investment managers.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F842.6

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