做实养老保险个人账户“空账”:问题与思考

Make the "Empty Account" of Individual Endowment Insurance Account Become Reality:Problem and Consideration

对我国做实个人账户三种模式进行比较分析,针对做实过程中存在的具体问题进行了若干思考,提出了五点建议:加快社会保障立法进程,加强监管制度建设;分开管理统筹账户和个人账户,明确个人账户产权;合理、多渠道地筹集资金,逐步做实个人账户;推动个人账户的多元化投资运营,实现保值增值;认识做实个人账户的长期性,加强对个人账户监管。

Through comparing the three models for making real individual account, this study makes some consideration of concrete issues in the working process and proposes some suggestions. First is to speed up the social security legislation advancement, strengthen the supervisory system construction; Second is to separate the management overall plan account and individual account and pinpoint the individual account property right; Third is to raise the fund reasonably from multi-channels and gradually make the individual account more realistic; Fourth is to impel the multiplex investment of individual account and to realize the inflation-proofing and appreciation; Fifth is to understand the continuity of individual account work and strengthen the individual account supervision.