Retrospect and Prospect of the Development of China's Enterprise Annuity
After years of evolution,the enterprise annuity system has become a crucial component of Chi-na's multi-level and multi-pillar pension insurance system.However,in consideration of China's vast popu-lation and economic scale,the current development of enterprise annuities remains inadequate,and their ef-fectiveness needs further enhancement.Through an in-depth analysis of official data and academic research a-chievements over the past two decades,this study uncovers three core challenges faced by China's enterprise annuity system.Firstly,how to promote the leapfrog development of enterprise annuities;secondly,how to reasonably evaluate the actual effectiveness of tax incentive policies;and lastly,how to effectively enhance the investment return rate of the funds.Based on these findings,this paper proposes that we should commence by stimulating the intrinsic motivation mechanism of enterprises and undertake deep-seated structural reforms to the existing system.Rather than solely emphasizing the incentivizing nature of tax incentive policies,we should focus on their fairness orientation and optimize the operational efficiency of the enterprise annuity investment management system.By doing so,we aim to provide solid support for achieving a qualitative leap in China's enterprise annuity system.
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