集合年金市场拓展策略探析（Analysis of expansion strategy of collective annuity market）.docVIP

集合年金市场拓展策略探析（Analysis of expansion strategy of collective annuity market） Set annuity is initiated by the trustee, to determine the product portfolio account managers, custodians and investment managers and standardized collection of payment funds in advance, more than two enterprises jointly conducted the operation and management of the enterprise annuity plan. The occupational pension, jointly set up by a number of enterprises to participate in, and provide standardized management and services for a number of corporate clients, for the customer base is mainly small and medium sized enterprises. For small and medium-sized enterprises, the development of collective pension has the following advantages: one is to reduce the cost of the establishment of enterprise annuity. Pension plans to set the original by a number of enterprises scattered bear fiduciary duty by a specialized institutions (occupational pension Trustees) should be fully accountable, reduce the number of repeated operation of the link, it brings great convenience to the small and medium sized enterprises. Two is the effective play of scale. First of all, a collection of enterprise annuity plan collection of enterprise annuity fund of a number of enterprises, the formation of large-scale funds can get lower management fees. Secondly, a collection of enterprise annuity plan may be the principal capital investment, not only the cost of diluted investment, and the investment manager is more flexible in the choice of investment tool, investment funds that have conditions of high threshold and high yields on financial instruments, to obtain higher returns. Three is conducive to the continued operation of pension plans. In the mode of operation of the enterprise annuity plan of individual enterprises, once the enterprise bankruptcy plan immediately terminated. But in the operation mode of collection enterprise annuity plan, a bankruptcy only means the termination payment, and will not affect the normal oper