摘要
本文梳理了中日韩三国现行的养老金运营机制,通过比较分析,发现我国基本养老保险基金运营监管机制上尚不明确;养老保险结构失衡,第三支柱养老制度发展滞后,个人养老保险产品品种匮乏;相关政策优惠不够,第三支柱财税优惠范围较窄等需要改进之处。在综合考虑日韩两国经验和我国养老金运营实际的基础上,应健全基本养老保险基金运营监管机制,引导民众对个人养老金投资理念进行转变,督促金融机构打造丰富多样的养老金融产品,促进第三支柱个人养老金发展的优惠政策到位。
This paper combs the current pension operating mechanism in China,Japan and South Korea.Through comparative analysis,it is found that the operation and supervision mechanism of basic old-age insurance funds in China is not clear;the structure of old-age insurance is unbalanced,the development of the third pillar of the old-age insurance system lags behind,and the variety of individual old-age insurance products is deficient;the third pillar has a narrow scope of fiscal preferences and needs to be improved.On the basis of considering the experience of Japan and Korea,and the reality of pension operation in China,we should perfect the basic pension fund operation supervision mechanism;guide the public to change the idea of individual pension investment;urge financial institutions to create a variety of pension financial products;and promote the third pillar of the development of individual pension policies in place.
作者
李诚鑫
兰天媛
崔思诺
LI Chengxin;LAN Tianyuan;CUI Sinuo
出处
《吉林金融研究》
2022年第4期38-41,共4页
Journal of Jilin Financial Research
关键词
中日韩
养老金
比较与借鉴
China
Japan and South Korea
pension
comparison and reference
作者简介
李诚鑫,男,本科,辽宁大学亚澳商学院;兰天媛,女,硕士,中国人民银行抚顺市中心支行;崔思诺,女,硕士,中国人民银行大连市中心支行。
