摘要
近年来,随着我国企业年金市场的快速发展,各类金融机构竞相参与。但不同机构的行业特性决定了其开展年金业务的优、劣势。本文在比较各类金融机构参与企业年金业务特点的基础上,提出金融控股集团在竞争中存在规模经济、范围经济、风险控制、业务创新、同一品牌等综合优势。然后根据年金业务的承接主体、年金业务的协调管理方式两个分类角度下的企业年金业务管理模式矩阵,分析了符合当前我国国情的金融控股集团拓展企业年金业务的三种基本模式,并提出当前的优选模式即“集团主导型”的修正模式及具体的操作建议。
With rapid development of occupational pension market in our country in recent years, all domestic financial institutions vie with one another for a market share. But their advantage or disadvantage in conducting such business are already predetermined by the difference in their respective business. In this paper, the characteristics of all financial market players involved are compared. Then, it is pointed out that financial holding groups have comprehensive advantage in competition in scale economy, range economy, risk control, business innovation and common brand. According to the management model matrix established under the two categories of business agent and coordinated management method, analysis is made of the three China-specific basic models employed by financial holding groups to expand occupational pension business. Finally, the most suitable model -- the revised group-based model -- is proposed with concrete methods.
出处
《金融论坛》
CSSCI
北大核心
2005年第11期29-35,共7页
Finance Forum
关键词
金融控股集团
企业年金业务
拓展模式
集团主导型模式
financial holding group
occupational pension business
expansion model
group-based model
