Expert¡¯s Comments

1. There are many factors affecting contribution rates, and the practice of individual ¡°retirement age¡± is built on the presupposition that the enterprise has given full consideration to various factors in the design of its compensation structure and built a stable compensation system.

2. The determination of contribution rates by retirement age requires a process of repeated tests: defining the goal of the substitution rate£­classifying retirement age£­defining rates £­testing sample benefit£­testing contribution cost £­adjustment. Only in this way can we produce a scientific, reasonable and rational effect.

3. The design of the Constitution of the Occupational Annuity Management Committee mainly includes the definition of duties and determination of the organization¡¯s framework and personnel and the practical difference in the enterprise¡¯s compensation welfare decision determines different constitutions.

4. It is not to say that the more diversified the four management qualifications are, the safer and the more efficient the occupational annuity plan and its fund management will be. With a view to the current supply state of domestic occupational annuity services, the 2+2 model made up of two service providers can realize the balance of both in a better way, and is also an advanced service supply model.