中文摘要
- I -
中文摘要
我国自 2004 年发布企业年金试行方案以来，企业年金一直扮演着补充养老金
的重要角色。本文从 G 银行企业年金业务的经营现状入手，研究了 G 银行发展企
业年金业务的市场环境和潜在的威胁。随后，总结了 G 银行的受托管理、账户管
理等方面的优势；同时，也考虑到了制约商业银行企业年金发展的内外部因素，
并剖析了 G 银行在开拓企业年金业务的过程中存在的问题。然后，通过借鉴美日
等发达国家银行的成功做法，再对比我国商业银行的做法，找出差异并有针对性
的有重点的学习与效仿。最后，提出 G 银行未来企业年金业务量和业务规模的发
展目标，进而提出了 G 银行在未来企业年金发展过程中的重要策略。

关键词：G 银行；养老保险；企业年金；发展策略Abstract
- II -
Abstract
Annuity supplement has been playing an important role in pension insurance since
China released the pilot program on May 1, 2004. This passage started from the
operating status of G Bank enterprise annuity business to study the good market
environment and potential threats of G Bank enterprise annuity business . Subsequently,
summarizing the advantages of fiduciary management , account management of G Bank
enterprise annuity ; while also taking into account the restrictions which are the internal
and external factors that restrict the annuity business development, and further analysis
of the G Bank presence in the annuity business process issues . Then , by drawing a
mature corporate pension security system and foreign commercial banks in the United
States , Japan, Australia and other developed countries of valuable experience in the
development of enterprise annuity business , and then compare the practice of
commercial banks , identifying differences and targeted focused learning and emulate.
Finally, G Bank 2010-2013 annuity business operations and future development trend of
bank raised G annuity business volume and scale of business development objectives
and focus of the latest policy and reform of China's enterprise annuity dynamic field ,
and then made important strategy for G bank in the future course of development of
enterprise annuity .
Keywords: G Bank；Pension insurance；Enterprise annuity；Development strategies