关于我国推行个税递延型养老保险的探讨

据联合国的预测,到2030年我国60岁以上人口将达到3.4亿,占比将达到24.4%。在我国目前的养老体制下,丰富我国个人养老保险方式以及推行个税递延型养老保险势在必行。本文通过分析推行递延型养老保险对社会产生的影响,以及推行过程中存在的不足并提出几点建议。

According to the United Nations’ prediction, population over the age of 60 will reach 340 million in China by 2030, accounting for 24.4% of the whole. Based on the current pension system, it is imperatine to enrich our personal pension insurance and to implement a tax-deferred pension insurance as well. This paper analyzes the social impact of the implementation of the deferred pension insurance, and the shortcomings in the process and makes a few suggestions.