企业年金行业发展不如预期,最核心的原因是缺乏对多层次养老保障体系的顶层设计,没有明确定位企业年金制度在多层次养老保障体系中的战略价值和功能年金市场平稳发展中仍有不足自2004年企业年金市场化格局确立以来,政策框架不断调整完善,从业队伍不断建设提高,参保企业不断增加壮大,共同推动了企业年金市场的平稳发展。 The most important reason for the development of the enterprise annuity industry is that it lacks the top-level design of the multi-level pension insurance system and does not clearly define the strategic value of the enterprise annuity system in the multi-level pension insurance system and the deficiencies in the steady development of the function annuity market. Since the establishment of the market structure of enterprise annuity in 2004, the policy framework has been constantly adjusted and improved. The construction and improvement of the contingent of employees has continued to grow. The number of insured enterprises has continuously increased and expanded, which has jointly promoted the steady development of the enterprise annuity market.