System and method for pension account management

Abstract

The invention relates to the data processing system of finance industry and a method, particularly a system of pension account management and a method. The management system of pension accounts comprises a client and a service processing device, wherein, the pension accounts are classified into pension saving accounts and pension investment accounts; an account processing module, a fund processing module and a data memory module are arranged in the service processing device; a user makes a request to the service processing device for variating the funds of the pension saving accounts and the pension investment accounts through the client terminal; the service processing device receives the request and confirming the accounts to be processed through the account processing module; and the fund processing module processes the fund variating data of the accounts and writes the fund information of the executed pension saving accounts and the executed pension investment accounts into the data memory module. The management system has the functions such as automatic conversion, automatic configuration, integrated computing, integrated query, and the like, and has the advantages of flexibility, transparency, low risk and the like.

Description

【Technical field】 [0001] The invention relates to a data processing system and method in the financial industry, in particular to a system and method for pension account management. 【Background technique】 [0002] As the proportion of the elderly in China is getting higher and higher in the whole population, the trend of aging is getting worse, and China's economic and social development is obviously lagging behind the social structure of premature aging. After two decades, The elderly in China will account for a higher proportion of the entire population, and the problem of providing for the elderly will become more prominent, so it will inevitably become a relatively serious problem restricting China's economic development and social stability. [0003] Western developed countries are ahead of China in the exploration of pension issues and pension models. In some developed countries, economic development and social systems have developed to a certain extent. The state has ...

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Problems solved by technology

[0009] At the same time, the amount of pension is relatively large. Such a huge asset is idle there, and it cannot be effectively invested and value-added. The initiative is an important means to solve the current pension gap

[0010] At present, investment products with a return on investment higher than the deposit interest rate and inflation rate include bonds, funds, stocks, futures, etc. However, due to the high risk of financial products such as stocks and futures, pensions are a guarantee for old age in the future. If the risk cannot be managed, it is not suitable as an investment product for pensions. Although the fund is operated by a fund company, its risk is relatively low, but there are still certain risks. Therefore, in order to ensure the safety of pension accounts, it is necessary to reduce its investment risk

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