Question 2: What does the enterprise annuity fund mean?
Enterprise annuity fund refers to the supplementary endowment insurance fund for enterprises formed by the funds raised in accordance with the enterprise annuity plan formulated according to law and the income from its investment and operation. Trustee, account manager, custodian and investment manager are the four key subjects of market-oriented operation of enterprise annuity fund. Enterprise annuity is an important part of multi-level old-age insurance system, which is a supplementary old-age insurance system established voluntarily by enterprises and employees on the basis of participating in basic old-age insurance according to law under the guidance of national policies. The development of enterprise annuity plays an important role in improving the social security system, promoting economic development and improving the living standards of retirees.
An enterprise that establishes an enterprise annuity shall set up an enterprise annuity Council or choose an enterprise trustee as the trustee, and the trustee shall be fully responsible for the operation of the enterprise annuity fund. The trustee selects account manager, custodian and investment manager to perform relevant functions in the operation of enterprise annuity fund.
According to relevant laws and regulations, banks can provide customers with enterprise annuity fund account management, custody and consulting services.
Account management of enterprise annuity fund
Account management of enterprise annuity fund means that the bank accepts the entrustment of the trustee of enterprise annuity fund, signs the Contract for Account Management of Enterprise Annuity Fund, establishes accounts for enterprises and their employees according to the contract and the rules of enterprise annuity plan provided by the trustee, records the payment and investment operation income, calculates the treatment payment and provides inquiries.
Product features:
Establish enterprise accounts and personal accounts of enterprise annuity funds; Record the contributions of enterprises and employees and the investment income of enterprise annuity funds; Check the payment data and property changes of the enterprise annuity fund account with the custodian in time; Calculate the enterprise annuity treatment; Provide enterprise annuity funds, enterprise accounts and personal account information inquiry services.
Applicable object:
Trustee of enterprise pension funds such as enterprises, pension companies and trust companies.
Main service contents:
1. Establish enterprise, employee and plan information;
2. Establish enterprise accounts and personal accounts of enterprise annuity funds;
3 record the payment of enterprises and employees and the investment income of enterprise annuity funds;
4. Check the payment data and property changes in the enterprise annuity fund account with the custodian in time;
5. Calculate the enterprise annuity treatment;
6. Accounting and recording of annuity fund transfer;
7. Provide information inquiry service for enterprise accounts and personal accounts of enterprise annuity funds;
8. Submit enterprise annuity fund account management reports to the trustee and relevant regulatory authorities on a regular basis;
9. Keep enterprise annuity fund account management files for at least 15 years according to national regulations;
10. Other duties stipulated by the state and agreed in the contract.
Enterprise annuity fund custody
Custody of enterprise annuity fund means that the bank accepts the entrustment of the trustee of enterprise annuity fund, signs the Enterprise Annuity Fund Custody Contract with it, manages the assets of enterprise annuity fund according to the contract, and safeguards the legitimate rights and interests of the trustee.
Product features:
Safely keep the assets of the enterprise annuity fund, be responsible for the liquidation and accounting of the assets of the enterprise annuity fund, supervise the operation of the investment manager, and regularly submit custody reports to the relevant regulatory authorities of the enterprise annuity fund.
Applicable object:
Trustee of enterprise pension funds such as enterprises, pension companies and trust companies.
Main service contents:
1. Safe custody of enterprise annuity fund property;
2. Open fund accounts and securities accounts of fund property in the name of enterprise annuity fund;
3. Set up separate accounts for different enterprise annuity fund assets under custody to ensure the integrity and balance of the fund assets;
4. According to the trustee's instructions, distribute the enterprise annuity fund property to the investment manager;
5. According to the investment instructions of the investment manager, handle the liquidation and delivery in time;
6. Responsible for accounting and valuation of enterprise annuity funds, and recheck and recheck the net asset value of funds calculated by investment managers;
7. Check the relevant data with the account manager and investment manager in time, and supervise the investment operation of the investment manager according to regulations;
8. Submit enterprise annuity fund custody and financial accounting reports to the trustee on a regular basis.
Enterprise annuity fund consulting business
Enterprise annuity fund consultation refers to the related services provided by our bank for enterprises and related institutions by taking advantage of its own advantages in talent, information and network.
Main service contents:
1. Design consultation of enterprise annuity plan.
2. Recommend trustees, investment managers and other relevant institutions.
3. Performance evaluation and risk evaluation of enterprise annuity fund