endowment annuity

Under the pressure of finance and aging population, many countries reform their old endowment insurance system. The new system is composed of three parts: social primary pension, enterprise annuity and personal saving pension.

在财政困难和人口老龄化的压力下，许多国家建立了三支柱的养老保险制度，即以基本养老保险、企业年金和个人储蓄性养老保险为支柱的保险制度。

In the meantime, encourage build enterprise annuity and individual deposIt'sex endowment insurance.

同时, 鼓励建立企业年金和个人储蓄性养老保险.

Annuity at starting stage is not enough as supplement to offer for basic endowment insurance also.

四是企业补充养老保险还处于起步阶段，存有很多问题，尚不足以为基本养老保险提供补充等。

Enterprise annuity, it is to show enterprise and its worker are on the base that plays primary endowment insurance lawfully, the system of compensatory endowment insurance that builds of one's own accord.

企业年金，是指企业及其职工在依法参加基本养老保险的基础上，自愿建立的补充养老保险制度。

Finally the paper put forward the suggestions of speeding up the endowment insurance reform of institution, providing annuity and occupational pension as supplementary insurance so as to reduce the discrepancy of endowment insurance between the supplementary insurance.

最后提出可以加快事业单位养老保险改革，统一企事业单位养老保险制度，并通过企业年金作为补充保险的方式缩小企事业单位养老保险差异。