Reform of Organizational Management Forms for Enterprise Annuities and Its Impact on Coverage under the Framework of"Participation Intensity-Trustee Concentration"
Reform of Organizational Management Forms for Enterprise Annuities and Its Impact on Coverage under the Framework of"Participation Intensity-Trustee Concentration"
After 20 years of development,enterprise annuity has achieved significant success,but it has been criticized for its narrow coverage.To address this persistent issue,a theoretical analysis framework of"participation intensity-trustee concentration"was proposed,inspired by the three pension revolutions that have occurred internationally over the past half century.In these three pension revolutions,there have been profound changes in the form of pension organization and management,which have made important contribu-tions to expanding the coverage of DC trust pension and have been praised by the international industry.The main measures of international pension reform are summarized as introducing an automatic joining mechanism and establishing a platform entrusted model.The theoretical analysis framework of"participation intensity-trustee concentration"proposed based on this is not only a summary of the forefront of pension organization management reform in major developed countries,but also a reference for measuring the strength of pension re-form and the depth of FinTech application;Applicable to both the second pillar enterprise pension system and the third pillar individual pension system;Not only can it describe the static distribution of various pension plans,but it can also analyze the dynamic trends of pension reforms in various countries,and at the same time,it can also insight into the problems existing in the management form of Chinese enterprise pension or-ganizations and the reasons for their narrow coverage.Based on this theoretical analysis framework,reform sug-gestions are proposed for improving the multi-level and multi pillar pension system during the"15th Five Year Plan"period by promoting the expansion of enterprise annuity coverage through an efficient market and a pro-active government.
关键词
企业年金/自动加入机制/受托模式选择/多支柱养老金/政府与市场关系
Key words
enterprise annuity/auto-enrollment mechanism/selection of trustee mode/multi-pillar pension/relationship between government and market
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