工行山西省分行企业年金业务发展研究

发布时间：2018-07-05 02:44

本文选题：企业年金 + 意义　；参考：《武汉工程大学》2016年硕士论文

【摘要】：进入新世纪以来,随着社会体系建设的不断成熟,各国的人口老龄化的趋势越发明显,随之而来,各级政府为逐步完善其社会养老保障体系,加大针对养老机制的投资以保障其民生发展。在此背景下,我国于1991年开始发展补充养老保险政策,逐渐的受到广泛的关注,成为我国构建社会养老体系的重要组成部分。而企业年金则成为补充养老保险的重中之重。一方面随着人口老龄化加剧,加大对企业年金业务的需求。另外一方面伴随着银行转型战略结构、调整经营结构,进一步推进了企业年金业务的发展。上世纪初我国初步确定了三大支柱养老保险体系:包括个人储蓄性养老保险;企业补充养老保险以及国家基本养老保险。其中企业年金养老保险扮演着重要的角色。相较于银行其它传统业务而言企业年金具有如下特点:利润高、稳定收益、风险小且不会占用较大的资金。因此这一中间业务受到了国际上各大银行的推崇。毋庸置疑21世纪整个银行行业已经形成了多元化的发展格局,企业年金业务在货币市场与资本市场以及个人客户与企业客户间,企业年金充分发挥“桥梁”作用。除此之外企业年金业务还具有稳定社会,健全社会养老保障体系、推进社保体系发展,为商业银行带来源源不断的利润增长点的同时,为商业银行的转型发展保驾护航。本文以中国工商银行企业年金业务的产生和发展为基本切入点,通过对中国工商银行企业年金业务和组织框架的分析,以中国工商银行山西省分行为突破口,重点剖析了企业年金业务,结合案例分析法,以山西省分行业务发展数据展开分析研究,具体分析了企业年金收入与拔备前利润、中间业务收入等相关性问题,重点分析了发展企业年金业务对银行的好处,具体包括社会效益、间接效益以及直接效益,剖析了该业务的综合效益。结合中国工行山西省分行加快企业年金业务的发展策略,明确指出发展企业年金业务的重要意义,即全面提升银行、金融市场的竞争力。
[Abstract]:Since entering the new century, with the continuous maturity of the social system construction, the aging trend of the population in various countries has become more and more obvious, followed by the governments at all levels to gradually improve their social old-age security system. Increase investment in the pension system to ensure its livelihood development. In this context, our country began to develop the supplementary pension insurance policy in 1991, gradually received extensive attention, become an important part of the construction of social pension system in China. And the enterprise annuity becomes the top priority of supplementary endowment insurance. On the one hand, with the aging of the population, increase the demand for enterprise annuity business. On the other hand, with the strategic structure of bank transformation, the adjustment of business structure, further promote the development of enterprise annuity business. At the beginning of last century, China initially established three major pillars of old-age insurance system: individual savings endowment insurance, enterprise supplementary pension insurance and national basic old-age insurance. Among them enterprise annuity endowment insurance plays an important role. Compared with other traditional banking businesses, enterprise annuity has the following characteristics: high profit, stable income, low risk and no large amount of capital. As a result, this intermediary business has been respected by the world's major banks. There is no doubt that the whole banking industry has formed a diversified development pattern in the 21st century. Enterprise annuity plays a full role as a bridge between the money market and capital market and between individual customers and enterprise customers. In addition, the enterprise annuity business also has the stable society, the perfect social endowment security system, the promotion social security system development, the commercial bank brings the unceasing profit growth point at the same time, protects the commercial bank transformation development. This paper takes the emergence and development of ICBC enterprise annuity business as the basic breakthrough point, through the analysis of ICBC enterprise annuity business and organizational framework, ICBC Shanxi Branch as a breakthrough. Focusing on the analysis of enterprise annuity business, combined with the case analysis method, with Shanxi branch business development data to carry out an analytical study, the specific analysis of enterprise annuity income and pre-reserve profit, intermediate business income and other related issues. This paper mainly analyzes the benefits of developing enterprise annuity business to the bank, including social benefit, indirect benefit and direct benefit, and analyzes the comprehensive benefit of the business. Combined with the strategy of accelerating the development of enterprise annuity business in Shanxi Branch of China Industrial and Commercial Bank of China, this paper points out the importance of developing enterprise annuity business, that is, to enhance the competitiveness of banks and financial markets in an all-round way.
【学位授予单位】：武汉工程大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33;F842.6

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