养老金制度的结构性改革与寿险公司的市场拓展

The Structural Reform of Public Pension Systems and the Market Extension of the Life Insurance Corporation

OECD国家养老金制度的结构性改革体现在两个层面:一是养老金制度整体结构的调整;二是政府主导下的公共养老金计划运行机制的转变。基于OECD国家经验数据的回归分析,国家公共养老金计划的保障水平与商业寿险深度之间具有高度负相关性。立足于我国养老金制度改革的政策取向,寿险公司应积极致力于养老金市场拓展,包括谋求参与国家基本养老保险个人账户养老金的发放及个人账户积累养老基金的投资运营;积极参与企业年金市场开拓,充当企业年金基金的法人受托机构;调整寿险产品定位,大力开拓城镇和农村商业养老保险市场。

The structural reform of public pension systems can be manifested in two aspects： one is to restructure the integrated pension systems and anther is to change the mechanisms of public pension plan. Based on the regression analysis on the empirical data from OECD, a conclusion can be drawn that the correlation between benefit level of public pension and the life insurance premiums as a percentage of GDP is negative. Confronted w the practice and the future reform of public pension systems in China, the life insurance corporations have to exte their market, such as the annihilation of personal acconnt fund, as a trustee of occupational pension fund and to pioneer the rural pension market.