摘要
我国社会保障制度改革的目标是形成基本养老保险、企业年金和自愿储蓄“三根支柱”构成的多层次的老年经济保障制度,融再分配、储蓄和保险功能于一体,达到给老年人提供更好的经济保障并促进经济增长的目的。其中,企业年金改革作为社保基金改革的重要一环,其成功与否关系到经济的良性循环和可持续发展。本文通过对我国企业年金发展模式的研究,提出了未来多主体参与的企业年金发展模式并提出相关建议,另外,文章对商业银行开拓企业年金市场也提出了包括加强自身建设提高综合服务水平;积极研发企业年金业务管理核心系统;交叉发展企业年金业务和其他金融服务,拓展服务空间等相关建议。
The reform of our social security system is aimed at creating a multi-level economic security system supported by three pillars of endowment insurance, occupational pension and voluntary savings, which incorporates redistribution, savings and insurance all in one so that the aged are economically better protected and economic growth boosted. Specifically, as an important link in the reform of social security funds, the success of occupational pension reform foreshows benign economic circle and sustainable development of China. The present paper based on an analysis of the developmental model of occupational pension in our country, puts forward a occupational pension model to include many entities in future with corresponding suggestions. In addition, suggestions are also provided for commercial banks to tap the occupational market potential, improve overall service through self-strengthening, be actively engaged in developing a core system of occupational pension business management, and offer occupational pension business alternatively with other financial service to expand service space.
出处
《金融论坛》
CSSCI
北大核心
2005年第8期28-34,共7页
Finance Forum