M保险公司企业年金投资管理体系研究

发布时间：2018-10-18 07:59

【摘要】：企业年金作为我国多支柱养老保障体系的重要组成部分，在进一步完善我国现有养老保障体系、保障社会和谐稳定、应对人口老龄化问题等方面发挥着越来越重要的作用。对于具有企业年金管理资质的管理机构和主营企业年金业务的保险公司而言，在担负着繁荣企业年金市场、推动企业年金发展重任的同时，也肩负着企业年金资产保值增值的重大使命，如何在几十年的管理过程中为年金参保人带来稳定而持续的投资收益便是个永恒的话题。本文运用企业年金投资管理等基本理论，在借鉴国外成熟企业年金投资管理经验，，特别是借鉴美国401K计划和香港强积金计划的投资管理经验并对M保险公司企业年金投资管理现状深入分析的基础上，指出该公司企业年金投资管理所遇到的主要问题与面临的挑战，即现有投资管理理念与公司战略联系不紧密、现行投资策略不能实现企业年金保值增值从而有损战略的实现。针对这些问题，本文提出了以公司战略为指引、以委托人利益为导向、以风险管理为手段的新型企业年金投资管理模式。本文通过对M保险公司企业年金投资管理方式的重建与优化，使M保险公司的企业年金投资管理与公司战略的实现紧密联系起来，为公司巩固年金市场领先地位、提升客户满意度及升华保险公司在企业年金投资管理的专业化水平有着很好的借鉴意义。
[Abstract]:As an important part of the multi-pillar old-age security system, enterprise annuity plays a more and more important role in perfecting the existing old-age security system, ensuring social harmony and stability, and coping with the aging of the population. For the management organization with enterprise annuity management qualification and the insurance company which mainly deals in enterprise annuity business, it is shouldering the important task of prospering the enterprise annuity market and promoting the development of enterprise annuity at the same time. It also shoulders the important mission of maintaining and increasing the value of enterprise annuity assets. It is an eternal topic how to bring stable and sustained investment income to annuity insured in the process of management for several decades. Based on the basic theory of enterprise annuity investment management, this paper draws lessons from the experience of foreign mature enterprise annuity investment management. In particular, on the basis of drawing lessons from the investment management experience of the US 401K Plan and the MPF Scheme of Hong Kong, and on the basis of an in-depth analysis of the current situation of the investment management of the enterprise annuity of M Insurance Company, The paper points out the main problems and challenges in the investment management of enterprise annuity, that is, the existing investment management concept is not closely related to the company's strategy, and the current investment strategy cannot maintain and increase the value of the enterprise annuity, thus undermining the realization of the strategy. Aiming at these problems, this paper puts forward a new investment management mode of enterprise annuity, which is guided by company strategy, guided by principal's benefit, and by means of risk management. Through the reconstruction and optimization of M insurance company's enterprise annuity investment management mode, this paper makes M insurance company's enterprise annuity investment management closely related to the realization of the company's strategy, so as to consolidate the leading position of the annuity market for the company. It is of great significance to improve customer satisfaction and sublimate the specialization of enterprise annuity investment management.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3

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