What are the benefits of an enterprise annuity, and the benefits and disadvantages of an enterprise

Enterprise annuity is also known as enterprise supplementary endowment insurance, and the main functions of enterprise annuity are as follows: 1. It can be used as a distribution of income from delayed payment of employees' wages; 2. It can mobilize the enthusiasm of employees to the greatest extent and create greater profits; 3. The retirement life of employees can be guaranteed under the condition that the basic pension is declining year by year; 4. You can use the country's tax policy to save taxes for enterprises and individuals.

Enterprise annuity is a kind of supplementary pension system, which refers to the supplementary pension insurance system established independently by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law.

Enterprise annuity is an important supplement to the national basic pension insurance, and is the "second pillar" of China's urban employee pension insurance system (composed of three parts: basic pension insurance, enterprise annuity and individual savings pension insurance). In countries that implement modern social insurance systems, enterprise annuities have become a more common enterprise supplementary pension plan, also known as "enterprise pension plan" or "occupational pension plan", and has become an important part of the pension insurance system of the host country.

First, it is conducive to the long-term development of the enterprise.

With the progress of science and technology and economic development, the competition between enterprises is more and more reflected in the competition of talents, coupled with the acceleration of China's aging population, the increase in labor force is gradually decreasing, the mobility is increasing, and the pressure on enterprises to recruit workers, especially to attract talents, is also gradually increasing.

The deferred payment function of enterprise annuity, the flexible distribution method that can be appropriately tilted towards key positions and talents, and the binding function of the equity vesting rules can better meet the needs of enterprises to attract and retain talents and stabilize the workforce, which is conducive to enhancing the competitiveness of enterprises and laying the foundation for the long-term development of enterprises.

Second, it is conducive to raising the level of post-retirement income of employees.

With the reform and improvement of the pension insurance system, the basic pension insurance for employees in the future will mainly play the role of "guaranteeing the basics", that is, the basic pension will be used to ensure the basic life.

The role of the second and third pillars of supplementary pension insurance will be gradually enhanced.

If the employee participates in the enterprise annuity and pays the contribution to the personal account of the enterprise annuity together with the enterprise, through long-term accumulation and investment and operation, the effective appreciation of the funds in the personal account of the enterprise annuity can be realized, which is conducive to increasing the income and improving the standard of living on the basis of receiving the basic pension after retirement.

In particular, the enterprise annuity follows the principles of trust law, is independent, and the operation is strictly standardized, which can ensure that employees receive benefits after meeting the conditions, and will not be diverted for other purposes by the enterprise or management agency, nor will it be affected by the dissolution, revocation, bankruptcy and other situations of the enterprise.

3. You can enjoy the preferential tax policies of the state.

In line with the national regulations, the enterprise payment can be deducted before tax, and the individual payment can be deducted from the taxable income of the current period.

2. The disadvantages of enterprise annuity: because the enterprise annuity is borne by the enterprise and the employee together, after paying the enterprise annuity, it means that the actual salary received each month will be less, and the handover of the enterprise annuity after leaving the company is not very convenient.

Enterprise annuity refers to the supplementary endowment insurance system voluntarily established by enterprises and their employees on the basis of participating in basic endowment insurance in accordance with the law. The enterprise annuity is a kind of benefit of the enterprise, and if you do not participate, you will give up this benefit. If you participate in the company, you will pay a part of the money, and of course, you will have to deduct a part of the money from your salary, and you can only receive it when you retire, die, or settle abroad.

Whether you participate or not, it depends on whether you value your current income or prepare a pension for retirement.

The enterprise annuity depends on the average income of the company, and if the average income is higher than 3 times the average local social security base, it can be paid. If it does not reach that level, the enterprise to engage in enterprise annuity is to reduce the income of employees in disguise. As a supplement to employee pension insurance, there are advantages and disadvantages to paying enterprise annuity.

Hello, I am Mr. Xiao Qi, a workplace service teacher, and my answer is: the benefits and disadvantages of enterprise annuity are as follows: benefits:

1.Help employees to provide for the elderly, reduce the burden of employees, and improve the welfare of employees. 2.

The issuance of enterprise annuities by enterprises may improve employee satisfaction and loyalty, thereby reducing the turnover and recruitment costs of enterprises. 3.Enterprises can make provision for the cost of enterprise annuity on their financial statements to reduce the income tax burden of enterprises.

Disadvantage: 1Enterprise annuity is a relatively large expense for the enterprise, which may increase the financial pressure of the enterprise and affect the operating results of the enterprise.

2.The long-term nature and risk uncertainty of enterprise annuity are difficult for enterprises to bear, and enterprises need to bear considerable investment risks. 3.

The provision of enterprise annuities by enterprises is not conducive to the overall role of the social security system, which may increase the pressure on the social security system and trigger negative social reactions. Extended information: Enterprise annuity is a kind of enterprise pension insurance system funded by enterprises and provided for employees.

The essence of enterprise annuity is similar to that of social security and personal commercial pension insurance, which is aimed at the life security of employees after retirement. Enterprises withdraw a part of the funds to provide future pensions for employees during their working periods, so as to increase employee benefits and corporate image. Enterprise annuities are mainly implemented by the enterprises themselves, and some enterprises will also entrust third-party institutions to manage them.

Enterprise annuity has a great role in protecting the interests of employees, and can also provide enterprises with a clear plan for long-term financial expenditure, so as to develop enterprises steadily.