养老金市场必须警钟长鸣

• 作 者: 杨燕绥
• 出 处: 中国社会保障
• 发表日期: 2006年08期
• 关键词: 养老金计划 市场 雇主养老金 政府 历史足迹 历程 考察

考察世界养老金计划的历史足迹,可以看到其走过从雇主养老金到政府养老金,再到政府、雇主与市场三方主体结合的养老金计划的发展历程。养老金计划(含企业年金)不仅指支付养老金的计划,包括如何筹集资金和管理基金,其内涵是基于人力资本和生命周期储蓄追求长期收支平衡。然而,

Looking at the historical footprints of the world’s pension plans, we can see the course of development of the pension plans that go through the period from the employer’s pension to the government’s pension, to the government, the employer and the market. Pension plans (including enterprise annuities) not only refer to plans to pay superannuation, including how to raise funds and manage funds, the connotation of which is to pursue a long-term revenue and expenditure balance based on human capital and life-cycle savings. however,