What are the benefits of paying an enterprise annuity, and what are the benefits of an enterprise an

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.

The benefits of paying an enterprise annuity are as follows:

1. It can be used as a deferred payment of employee wages and income distribution;

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;

5. Establish a good corporate image and attract outstanding talents.

Labor Law of the People's Republic of China

Article 70. The State develops social insurance, establishes a social insurance system, and sets up social insurance** to enable workers to receive help and compensation in the event of old age, illness, work-related injury, unemployment, childbirth, etc. Article 73.

Workers are entitled to social insurance benefits in accordance with the law under the following circumstances:

a) retirement; 2) Illness or injury;

3) Suffering from work-related disability or occupational disease;

iv) unemployment; 5) Childbearing.

After the death of a worker, his surviving family members are entitled to survivors' allowances in accordance with the law.

The conditions and standards for workers to enjoy social insurance benefits shall be prescribed by laws and regulations.

Social insurance contributions must be paid in full and on time.

The benefits of paying an enterprise annuity are as follows:

1) The establishment of an enterprise annuity system is conducive to establishing a good corporate image and attracting and retaining outstanding talents.

2) According to the contribution of employees, the enterprise designs a differentiated annuity plan, which is conducive to the formation of a fair and reasonable distribution system and gives full play to the potential of employees.

3) Through the setting of "equity attribution" in the annuity plan, the benefit precipitation is used to achieve effective incentives and retain talents.

4) Establish an enterprise annuity system, while improving employee welfare, use the relevant national tax policies to reasonably save taxes for enterprises and individuals.

5) Promote the reform of the old-age security system and improve the security system.

6) Improve the modern enterprise system and improve the core competitiveness of enterprises.

Legal basis:

Article 3 of the "Enterprise Annuity Regulations".The fees required for enterprise annuity shall be jointly paid by the enterprise and the individual employees. The enterprise annuity ** implements complete accumulation, establishes a personal account for each employee who participates in the enterprise annuity, and invests and operates in accordance with the relevant provisions of the state. Enterprise annuity**Investment and operation income is merged into enterprise annuity**.

Article 5Enterprises and employees who establish enterprise annuities shall participate in the basic endowment insurance and fulfill the obligation to pay in accordance with the law, and the enterprise shall have the corresponding economic affordability.

Article 6To establish an enterprise annuity, the enterprise shall determine it through collective negotiation with the employees, and formulate an enterprise annuity plan. The draft enterprise annuity plan shall be submitted to the workers' congress or all employees for discussion and approval.

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.

Labor Law of the People's Republic of China

Article 70 The State shall develop social insurance, establish a social insurance system, and establish social insurance** so that laborers can receive assistance and compensation in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 71: The level of social insurance shall be commensurate with the level of social and economic development and social affordability.

Article 72 Social insurance funds shall be determined according to the type of insurance, and social pooling shall be gradually implemented. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

Article 48 of the Labor Law of the People's Republic of China stipulates that the State implements a minimum wage guarantee system. The specific standards of the minimum wage shall be prescribed by the people of the provinces, autonomous regions and municipalities directly under the Central Government, and shall be reported for the record. The wages paid by the employer to the employee shall not be lower than the local minimum wage.

Labor Contract Law of the People's Republic of China

Article 30 An employer shall, in accordance with the provisions of the labor contract and state regulations, pay the labor remuneration to the worker in full and in a timely manner. If the employer is in arrears or fails to pay the labor remuneration in full, the worker may apply to the local people's court for a payment order in accordance with the law, and the people's court shall issue a payment order in accordance with the law.

Article 44 In any of the following circumstances, the employer shall pay the worker a wage remuneration higher than the wage for normal working hours according to the following standards: (1) If the worker is arranged to work longer hours, the employer shall pay a wage remuneration of not less than 150 percent of the wage; (2) Where a worker is assigned to work on a rest day and cannot be arranged for compensatory leave, a wage remuneration of not less than 200 percent of the wage shall be paid; (3) Where a worker is assigned to work on a statutory holiday, he or she shall be paid a wage remuneration of not less than 300 percent of his wages.

[Legal Analysis].1. Enterprise annuity can reduce the pressure of social endowment insurance, improve the security degree of the whole society, and improve China's social security system; 2. Annuity is a kind of delayed treatment payment, and through the setting of transfer or payment conditions, employees can be encouraged to serve the enterprise for a long time; 3. Enterprise annuity can improve the living standard of employees after retirement, so that the old age life is guaranteed.

Legal basis:Article 9 of the Measures for Occupational Pensions of Government Institutions and Institutions can receive occupational pensions if they meet one of the following conditions:

1) After meeting the retirement conditions stipulated by the state and going through the retirement procedures in accordance with the law, the staff member shall choose the method of receiving occupational pension benefits on a monthly basis. It can be used to purchase commercial endowment insurance products at one time, receive benefits according to the insurance contract and enjoy the corresponding inheritance rights, choose to calculate and pay the monthly treatment standard of occupational annuity according to the corresponding number of months when I retire, and enjoy the inheritance right while the balance of the personal account of the occupational annuity is inherited. I will not change it after I select any of the collection methods.

2) The funds in the personal account of the occupational pension of the person who have settled abroad (outside the territory) can be paid to the person in a lump sum according to his or her request.

3) If a staff member dies during his or her employment, the balance of his or her personal occupational pension account may be inherited.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.

The advantage of paying enterprise annuity is that it is conducive to improving the income level of employees after retirement.

The advantage of paying enterprise annuity is that it is conducive to improving the income level of employees after retirement. The enterprise annuity follows the principles of the trust law, has independence, and has strict and standardized operation, 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 circumstances of the enterprise.

When to receive the enterprise register annuity:

1. When the employee reaches the required retirement age, he or she can apply for the withdrawal of the enterprise annuity. 2. Loss of working ability: Of course, it is not only when you retire that you can choose to withdraw the enterprise annuity.

When an employee completely loses his or her ability to work due to illness or injury before retirement, he or she can also apply for a one-time or monthly withdrawal of the enterprise annuity in advance.

3. It is also very common for relevant personnel to live abroad, and when choosing to live abroad, they can also apply for a one-time withdrawal of enterprise annuity.

4. In the event of death, the enterprise annuity can also be inherited as an individual's asset. Therefore, after the death of the employee, the corresponding legal heirs can inherit the enterprise annuity of the deceased employee. After the death of the employee, the legal heirs can apply for a lump sum withdrawal of the enterprise annuity. <>

Paying an enterprise annuity can improve the level of pension security for individuals. Specifically, an enterprise annuity is a kind of fringe benefit set up by an enterprise for employees, aiming to provide pension security for its employees. Compared with the social security pension stipulated by the state, the enterprise annuity system usually has a higher contribution ratio and a higher pension calculation standard, so it can provide employees with a higher level of pension or lead pension security to a certain extent.

In addition, the enterprise annuity also has a certain degree of tax incentives, which can save taxes and fees for employees participating in the enterprise annuity and better protect their own financial situation.

In addition, the enterprise annuity also helps to improve the performance of employees and the sense of professional happiness. The establishment of the enterprise annuity itself can provide employees with a long-term and stable income guarantee, which can enhance employees' trust and loyalty to the enterprise, so as to enhance employees' work enthusiasm and sense of responsibility. In addition, enterprise annuity can also be regarded as a means of cultivating and retaining excellent talents, which can make employees more actively engaged in their work and bring better results to the enterprise.

Therefore, enterprise annuity is also regarded as one of the channels for enterprises to introduce excellent talents.

Globally, old-age security is a major issue faced by many countries and regions, and enterprise annuity, as a sustainable way of old-age security, has also attracted much attention in the world. More and more enterprises have begun to actively implement the enterprise annuity system to better provide employees with pension security and development support, and maintain and improve the core competitiveness of enterprises in the face of pension problems.

In summary, the payment of enterprise annuity can improve the level of personal pension security, provide employees with more long-term and stable income security, promote the improvement of employee performance and professional happiness, and become a means for enterprises to recruit outstanding talents. Based on the multiple benefits of enterprise annuities, both enterprises and employees should participate more actively, jointly develop the potential of individuals and enterprises, and make positive contributions to better coping with pension issues. <>