论做大个人养老年金保险市场  

Research on the Expansion of China's Personal Annuity Insurance Market

作　　者：朱俊生[1] 庹国柱[1] 

机构地区：[1]首都经济贸易大学,北京100070

出　　处：《首都经济贸易大学学报》2007年第4期13-18,共6页Journal of Capital University of Economics and Business

摘　　要：近年来,我国养老保障制度取得了巨大成就,但是目前的社会养老保险扩大覆盖面的工作进展缓慢,而且保障水平较低,而作为第二支柱的企业年金制度由于一系列障碍,发展前景不容乐观。因此,在继续推进基本养老保险制度和企业年金制度改革,促进其发展的同时,也要高度重视第三支柱的发展,而商业个人年金保险正是第三支柱的最重要组成部分。政府应当采取合理政策促进个人年金的发展。Recently China＇s old-age security system has achieved great progress, but it is difficult for the social pension insurance to expand its coverage and increase its security level. As the second pillar of pension scheme, occupational pension confronts many institutional obstacles. Along with the development of social pension insurance and occupational pension, more attention should be paid to the third pillar of pension scheme. The government should constitute policy and take action to promote the development of personal annuity which is the most important part of the third pillar of pension scheme.

关 键 词：社会养老保险 企业年金 个人年金 

分 类 号：F840.67[经济管理—保险]