多支柱养老保险理论与实践

Theory and Practice of Multi - support Endowment Insurance

多支柱养老保险是养老保险理论的完善和发展。建立多支柱养老保险体系是应对人口老龄化和国家财政负担过重的需要。为了推动多支柱养老保险体系的建设,国务院出台了一系列政策法规。这些政策法规的出台,在一定程度上促进了多支柱养老保险事业的发展。经过10多年的改革实践,中国的多支柱养老保险体系建设取得了长足的进展,但也存在一些需要重视的问题。

Multi - support endowment insurance is the development of endowment insurance theory. Because aged people more and more and state overburden, so establishing multi - support endowment insurance system is needed. In order to promote establishment of multi - support endowment insurance system, State Department promulgated a series of polices. These policies in a certain extent promoted the development of multi - support endowment insurance project. Pass through over 10 years reform practice, the establishment of Chinese multi - support endowment insurance system have gained a lot of progress, but there are some problems needed concern.