The special structure and large population in China, as well as long-term low-level old-age insurance, it decided that it is the inevitable trend of referencing foreign experience of developing the enterprise annuity when we reform Chinese traditional old-age insurance system. 我国特殊的人口总量、结构以及长期以来较低的养老保险水平状况,决定了借鉴国际经验发展企业年金是我国养老保险体系改革的必然趋势。
For the long-term equilibrium relationship, the study finds the following results: 1. There is a positive relationship between bank deposits balance and the premium of variable annuity and interest-sensitive annuity. 长期均衡关系方面,本研究发现存款余额与变额年金保险保费或利率变动型年金保险保费皆呈现正向关系。
Long-term incentive and guarantee the effectiveness of the enterprise annuity, it can not only meet the pension needs of the employees, but also to motivate staff to continuously improve work efficiency. 企业年金具有长期激励和保障的功效,它不仅能满足员工的养老需要,而且能激励员工不断提高工作效率。