银行业助力第三支柱养老保险事业扬帆远航 行稳致远  

The Banking Industry Helps the Third Pillar of Pension Achieve Stable and Far-Reaching Development

作　　者：刘峰 戴佳(翻译) Liu Feng(NPC Deputy and CBA Secretary-General)

机构地区：[1]中国银行业协会 [2]不详

出　　处：《中国银行业》2021年第6期13-15,6,共4页China Banking

摘　　要：当前发展第三支柱面临的主要问题2021年政府工作报告指出,要加强基本民生保障,规范发展第三支柱养老保险。从我国养老保障体系整体发展规模来看,第一支柱超过6万亿元.覆盖9.99亿城乡居民,“全覆盖、保基本”的目标逐步实现;第二支柱中企业年金积累基金规模2.25万亿元、参加职工2717万人,职业年金基金规模突破1万亿元,企业年金和职业年金覆盖面整体较低;第三支柱个人税收递延型商业养老保险试点期间实现保费收入3亿元.China has already raised its response to population aging and the development of a multi-pillar pension system to a national strategic level.It can be predicted that the third-pillar pension will usher in the best development opportunities during the 14th Five-Year Plan period.The author points out that there are still a series of problems in the current development of the third pillar,such as a lack of clear top-down design,limited supporting tax policies,and no policy for individual pension account.The author puts forward targeted countermeasures against existing problems,and pointed out that,in the future,the role of CBA as an industry association platform will be given into play to help the development of the third pillar of pension.

关 键 词：养老保险试点 企业年金 职业年金 第三支柱 政府工作报告 养老保障体系 年金基金 积累基金 

分 类 号：F83[经济管理—金融学]