中信银行企业年金业务发展战略思考.pdfVIP

要 2004 年5 月1 日实施的《企业年金试行办法》和《企业年金基金管理试行办 法》两项法规在确立了我国企业年金信托型制度,为我国企业年金的规范、快速发 展奠定基础的同时,也拉开了企业年金市场的混业竞争序幕。商业银行如何在这场 激烈的竞争中,抓住机遇,迎接挑战,是一个非常有现实意义的课题。本文正是从一 个具体的商业银行—-中信银行的独特视角,在对我国企业年金发展的相关研究基 础上,对其发展企业年金业务的内外部战略条件和发展战略做了深层次的探讨。 文章首先从企业年金的基本理论分析入手,介绍了企业年金的基本概念、内 容、性质和意义,从多个维度分析了企业年金的基础理论,以深化对企业年金本质 属性的理解。接着,在理论铺垫的基础上,文章探讨了我国企业年金的发展历程,分 析了我国企业年金制度和实践的发展现状,并从政治、经济、社会及技术等四个方 面进行分析，明确指出商业银行发展企业年金是必 的战略选择。然后,文章对中 信银行在企业年金市场中主要竞争对手的竞争力逐一进行了分析,并运用 SWOT 分 析法着重研究了中信银行发展企业年金业务的内部优、劣势情况和外部的机遇与 威胁。最后,文章运用战略管理的理论方法全面提出了中信银行企业年金业务的发 展战略及发展战略的实施和保障。 关键词：中信银行 企业年金 发展战略 思考 1 Abstract Enterprise pension trial regulation and enterprise pension fund management trial regulation effective on May 1st, 2004 not only established Chinese enterprise pension trust system and provided a foundation for standard and fast growing of Chinese enterprise pension, but also started a mixed competition across profession in enterprise pension market. It is a very practical topic for commercial bank to study how to take the opportunity and face the challenge in such a competitive market. In this paper, with a special angle of view ,did the deep study on The Development Strategy Reserch on Enterprise Pension of CITIC Bank. Based on the Enterprise Pension basic concept, contents, property and meaning, the article inquiried into the development processed of our country Enterprise Pension and analyzed our country Enterprise Pension system .Making use of the PEST and SWOT to study development environment of the EP, finally, the article put forward the development strategy on the EP of CITIC.Furthermore,it put forward the development strategic implementation and guarantee. Key words：CITIC Enterprise pension Develop