国外通货膨胀指数年金发展与启示

Oversea Inflation's indexed Annuity Markets Research and Suggestion

通货膨胀将可能降低到期保险金的实际购买力,削弱保险的保障作用。通货膨胀指数年金产品的年金给付与消费者物价指数挂钩,有效化解了通货膨胀风险。国外通货膨胀指数年金的存在以政府发行通货膨胀指数债券为基础。我国企业年金和其它合格养老金计划应制定强制转换年金产品的规定,政府尽快发行通货膨胀指数债券,鼓励年金发展,为人们提供化解通货膨胀风险的工具。

Traditional insurance does not protect a policyholder＇s income from purchasing power losses because of inflation. It is difficult for consumers to be confident of insurance products. The inflation-indexed annuity products can offer consumers the possibility of real income protection. Special regulations are required to force the transfer of pension and qualified annuity to inflation-indexed annuity products. The government should start the issue of inflation bond, so that the people will have more tools to control inflation risk.