Every year, the enterprise annuity will announce the year's operation and income to the client (that is, the company) in the form of annuity reports and statements, and employees will also receive their own annuity fund statements.

If you want to check the status of your annuity fund in real time, you can also report it to your unit’s human resources department, who will submit an inquiry application to the annuity management unit (Huabao Trust).

Enterprise annuity refers to a supplementary pension insurance system that the state encourages enterprises to establish independently on the basis of basic pension insurance.

The cost of enterprise annuity is paid jointly by the enterprise and individual employees, and the management method of complete accumulation, investment and operation is implemented.

The role of enterprise annuity: Distribution function: Enterprise annuity has both the nature of primary distribution of national income and the nature of redistribution of national income.

Therefore, the supplementary pension plan in the form of enterprise annuity is regarded as a kind of delayed payment of salary income distribution to employees.

Incentive function: The enterprise annuity plan contributes to employee annuity personal accounts based on the company's profits and employees' performance. It helps companies attract high-quality talents, stabilize the workforce, protect employees' interests, maximize employees' labor enthusiasm and creativity, and improve

It is also a positive and effective means for employees to have a sense of pride and responsibility in serving the enterprise, thus enhancing the cohesion and market competitiveness of the enterprise and obtaining maximum economic benefits.

Guarantee function: The establishment of enterprise annuity can improve the level of pension benefits of employees after retirement to a considerable extent, solve the large income gap before and after retirement caused by the decrease in the basic pension replacement rate year by year, and make up for the lack of basic pension security level.

, to meet the objective needs of retirees to enjoy a higher quality of life, and to play its supplementary and protective role.

: There are many types of risks faced by enterprise annuity during its operation. The main risks are credit risk and investment risk.

Credit risk refers to the risk of direct or indirect losses caused to beneficiaries due to default by the trustee, custodian, investment manager or account manager of an enterprise annuity.

Credit risk is embedded in the governance structure of enterprise annuities.

In this "trust-entrustment" relationship chain, the credit risk status of the trustee, account manager, custodian and investment manager will directly affect the success or failure of an enterprise annuity plan, so credit risk is

The first risks to consider when conducting enterprise annuity risk management.

The final form of credit risk is default.

Investment risk refers to the uncertainty of future returns caused by the volatility of the market as a whole or individual securities when investing in enterprise annuity funds, especially the possibility that investment returns are lower than the target value or even suffer losses.

In the operation process of enterprise annuity, investment management is an extremely important link.

Once the investment fails, it will directly affect the economic interests of the beneficiary and even lead to the failure of the entire annuity plan. Moreover, investment risks are linked to the investor’s credit risk. Investment failure will trigger credit risks to a large extent.