上海试行养老金基本账户个人账户差异化管理探讨

Shanghai can Trial the Differentiated Management of the Individual Account of Pension Basic Account

养老金基本账户包括统筹账户和个人账户,个人缴纳部分及单位缴纳的部分资金进入个人账户。由于年龄不一样、职业不一样、个人承受风险的意愿不一样,因此金融资产的配置也不一样,不同的个体需要不同的账户管理政策,进而形成养老金个人账户的差异化管理。上海养老金个人账户逐步做实,这为个人账户的管理创造了一定条件。

Pension service＇s basic account include social pooling accounts and individual account, the part of the funds paid by individual and unit enter into the individual account, because of the difference of age, occupation and individual willingness of tolerance for risk, the configuration of the financial assets are not the same, different individuals require different account management policies so that the differentiated management of the individual account of pension should be formed. The individual account of pension in Shanghai do real step by step, which create conditions for the management of individual accounts.