Protection of the worker pension rights is the core value of the appeal of national pension system generally and takes it for granted which becomes the target of building enterprise annuity system in our China .

保护职工年金权益是各国年金制度普遍的也是最核心的 价值诉求，其也应该成为我国构建企业 年金制度的目标和方向。

In chapter 3 based on the characteristics of annuity two methods are derived for calculating the expected value and variance of present values and the accumulation value of a class of annuity under random rates of interest of discrete type .

在第3章，针对年金的特点，研究离散时间下的随机利率在一定的条件下一类确定 年金 的 计算 问题。

Third is integrating of value chain . Fourth is integrating of sales channel . Fifth is exercising Integrated Marketing Communications . By use the five method we can solve the problem and enhance the performance of annuity marketing .

三是 价值链整合，四是基于目标市场的渠道整合，五是整合营销传播方法的运用，通过 这五个方面的应用，可以有针对性的解决问题， 持续提升 年金销售绩效。