中小企业年金需求影响因素探析——基于灰色关联分析法

Factors Affecting the Demand of Enterprise Annuity in SME: based on Gray Relational Analysis

企业年金在我国的发展已有二十余年的历史,国家对集合企业年金计划在我国中小企业的推广也曾提出原则性指导意见,但总体来看,企业年金制度在我国中小企业的发展仍然比较缓慢,存在法律不健全、制度不规范、发展动力不足等诸多难题。为了寻求促进中小企业年金发展的有效措施,本文对影响中小企业年金需求的因素进行了分析,通过建立灰色关联模型,发现经济发展水平、企业和员工的支付能力等对中小企业年金需求的影响较为显著,在此基础上本文提出了加快中小企业年金发展的政策建议。

The development of the enterprise annuity in our country has a history of more than 20 years, there being guidance suggestions about the promotion of enterprise annuity plan in the SMEs. While in general, enterprise annuity system in the development of SMEs in China is still relatively slow, and there exist many diffi- culties, such as imperfect law system, irregular institution and insufficient motivation. In order to seek effective measures to promote the development of SMEs annuity, this paper analyzes the factors affecting the demand of SMEs annuity. Through establishing grey correlation model, it is found that the development of economy level, the enterprise and staff＇ s payment ability are remarkable to SMEs annuity demand influence. On this basis, this paper proposes policy recommendations to accelerate the development of SMEs annuity.