我国消费养老模式发展现状、问题与展望——基于两个典型消费养老平台的案例分析  

The Current Situation,Problems and Prospects of the Development of Consumption Pension Model in China--A Case Analysis Based on Two Typical Consumption Pension Platforms

作　　者：董克用[1] 肖金喜 周宁 Dong Keyong;Xiao Jinxi;Zhou Ning

机构地区：[1]中国人民大学公共管理学院,北京100872

出　　处：《中州学刊》2020年第12期74-80,共7页Academic Journal of Zhongzhou

基　　金：中国人民大学“中央高校建设世界一流大学(学科)和特色发展引导专项资金”(2021077)。

摘　　要：在未富先老和扩大内需的现实国情下,我国首先提出并推进了消费养老这一新型个人养老金制度探索,目前其主要包括类企业年金及商业保险两种运营模式。在现阶段,尽管我国消费养老已积累了较大规模的商户、用户及资金,但同时也存在消费返利阶段的纳税不规范及投资管理阶段的保值增值难问题。为打通消费养老运作流程、续接发展断点,相关部门要科学评估、注重引导、加强外部监管;各消费养老平台要规范运作,以消费者权益为导向,实施有效的内部监管;社会公众应自觉加强养老金融知识教育,理性判断风险,自愿参与消费养老。Under the current situation of"getting old before getting rich"and expanding domestic demand,China first proposed and promoted the exploration of a new type of personal pension system,namely,accumulation of pension through consumption(APC).At present,it mainly includes two operation modes:enterprise annuity and commercial insurance.At the present stage,although China has accumulated a large number of merchants,users and funds,there are also some problems,such as the irregular tax payment in the consumption rebate stage and the difficulty in maintaining and increasing the value of funds in the investment management stage.In order to break through the operation process of consumption pension and continue to develop,relevant departments should scientifically evaluate,pay attention to guidance and strengthen external supervision;all consumption pension platforms should operate in a standardized way,guided by consumer rights and interests,and implement effective internal supervision;the public should consciously strengthen the education of pension financial knowledge,rationally judge risks,and voluntarily participate in consumption pension.

关 键 词：人口老龄化 养老金 消费养老 投资管理 保值增值 

分 类 号：C913.6[经济管理]