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企业年金是我国一直在探索和推进的企业为职工建立的补充养老保险。一般由有能力的企业自愿建立,由企业和个人按照一定的比例缴纳费用,进入职工个人年金账户,通过特定的投资机构实行基金完全积累,采用个人账户方式进行管理,由职工在退休后领取。保险公司参与企业年金市场的竞争优势1、保险公司具有较强的精算能力。“精算是保险产品设计、负债管理和风险控制的关键技术,是保险公司经营管理的基础工作。精算本身不仅是一种科学测算保险业务未来风险的技术,而且还提供着眼长远、权衡收益、审慎经营的理念”。精算技术的作用在退休金业务的经营中主要体现在以下几个方面:确保开发出客户需要的退休金产品,在维持产品盈利性、保护客户利益和满足销售渠道中达到合理的平衡;保险公司具备对企业年金计划设计的深刻理解和客户实施计划的广泛了解,而精算技术能够确保为企业提供完善的企业年金计划设计,包括条款设计、融资测算、替代率测算和规划、DC/DB计划的选择等;保险公司的业务价值评估和偿付能力监管的核心也在于需要强大的精算技术来评估,而这两者对保护客户利益、确保稳健经营具有重大意义。
Enterprise annuity is our country has been exploring and promoting enterprises to establish supplementary pension insurance. It is usually voluntarily established by competent enterprises. Enterprises and individuals pay fees according to a certain proportion and enter individual personal annuity accounts of employees. The funds are fully accumulated through specific investment institutions and managed through personal accounts. Employee retirees receive them. Insurance companies participate in the enterprise annuity market competitive advantage 1, insurance companies have strong actuarial skills. “Actuarial is the key technology of insurance product design, liability management and risk control and is the basic work of insurance company’s operation and management. Actuarial itself is not only a technology that scientifically measures the future risk of insurance business, but also provides long-term, trade-off benefits, prudence Business philosophy. ” The role of actuarial technology in the operation of the pension business is mainly reflected in the following aspects: to ensure that customers need to develop the pensions products, to maintain product profitability, protect customer interests and meet the sales channels to achieve a reasonable balance; insurance companies An extensive understanding of the design of enterprise annuity plans and a broad understanding of customer implementation plans enable actuarial techniques to ensure a well-designed enterprise annuity plan for the enterprise, including terms and conditions, financing calculations, replacement rate estimation and planning, DC / DB planning Choice, etc .; the core of the insurance company’s business value assessment and solvency regulation also lies in the need for a strong actuarial technology to evaluate, and both of these are of great significance to protecting the interests of customers and ensuring a sound operation.