澳大利亚超级年金走出金融危机的经验

Reference on Australia Superannuation Industry Confronting Global Financial Crisis

在过去的35年内,澳大利亚超级年金计划可以共享的公共价值至少有两点:第一,逐步建立起一套刚性到位和弹性充分的规制制度体系,形成有管理的多元主体有序竞争的市场格局;第二,养老基金治理得到持续改善,养老基金获得超过通货膨胀率约4%的长期实际收益率。

During the last 35 years, there are at least two points which have public value to share with other countries. Firstly, Australia has worked up a suit of regulation institutions system with both stringent rigidity and sufficient flexibility, and has progressed into a regulated well-ordered competitive market structure with various organizations. Secondly, Pension funds governance has ameliorated chronically, and pension funds have achieved lone-term real yield above 4% taking out inflation rate.