摘要
个人养老金制度作为基本养老保险的补充,是应对人口老龄化的重要举措。经过两年的试点运行,我国个人养老金制度已取得初步成效,但仍存在实际缴存与投资人数偏低、投资者理念保守、产品供需不匹配、账户设计有待完善等问题。进一步推进个人养老金制度高质量、可持续发展需要政府、金融机构与社会多方协作。在深入分析我国个人养老金制度实施现状的基础上,有针对性地提出完善制度设计,创新金融产品供给,提升金融服务水平,构建风险防范机制等政策建议。
As a supplement to the basic pension insurance,the personal pension system is an important measure to address population aging.After two years of pilot operation,China's personal pension system has achieved initial results,but issues such as low actual contributions and investment participation,conser-vative investor mentality,mismatched product supply and demand,and imperfect account design still per-sist.Further promoting the high-quality and sustainable development of the personal pension system re-quires collaboration among the government,financial institutions,and society.Based on an in-depth analy-sis of the current implementation status of China's personal pension system,targeted policy recommenda-tions are proposed,including improving system design,innovating financial product supply,enhancing fi-nancial services,and establishing risk prevention mechanisms.
作者
宗楠
ZONG Nan(Jilin Provincial Science and Technology Finance Innovation Development Strategy Research Center,Changchun 130124,China;School of Economics and Management,Changchun Finance College,Changchun 130124,China)
出处
《长春金融高等专科学校学报》
2025年第4期14-19,共6页
Journal of Changchun Finance College
关键词
第三支柱
个人养老金制度
养老金融产品
third pillar
personal pension system
pension financial products
