中国养老金市场的公共治理——企业年金市场恶性竞争成因分析

On Public Governance of Pension Market in China

基于中国人口老龄化情况和养老基金发展趋势,对企业年金市场的恶性竞争现象和成因进行了分析,由此推出政府失灵的结论;在此基础上,探讨了养老金市场引入公共治理,改进受托人制度安排和确保养老金受益人利益最大化的机制建设问题;指出要加强中国养老金公共治理,民主议政与科学规划是公共治理的前提条件,而市场分工与有效规制则是公共治理的核心条件。

Based on the trend of China′s population aging and development of pension funds,the paper has analyzed the phenomena and causes of the cutthroat competition of the enterprise annuity market,thereby arriving at a conclusion that the governance fails to work properly.Based on above was dealt with the problem about the introduction of public administration into the pension market,the improvement of the arrangement of the trustee institution,and the forming of the mechanism to ensure the maximization of the interest of pension beneficiaries.The paper also points out that it is needed to intensify public governance of pension in China,its precondition of public governance is to implement democratic discussion about state affairs and scientific planning,and its core condition is to carry out market labor division and effective regulation.