智利养老金系统的主要指标研究及其对我国的启示

Chile's pension system indicators and Its Implications for China

智利养老金私有化改革始于1981年,它创建了以个人账户为基础的完全基金积累制养老金体系。自改革以来,该模式在养老金的覆盖范围以及养老基金的管理成本上仍存在一些问题,因此在2008年,开始了新一轮的改革。本文以智利两次养老金改革为背景,考察其养老金的覆盖面、养老基金的规模、养老基金的组成、成本和投资收益率、退休人员收入等指标。从中得到启示:我国应强化转轨中的政府责任,在严格区分监管机构和管理机构的基础上,加快养老基金运作的市场化进程,促进投资渠道的多元化发展。

Chile＇ s pension privatization reform began in 1981, it created a fully funded pension system based on individual accounts. Since the reform, there are still some problems with the mode in pension coverage and pension fund management costs. So in 2008, a new round of reforms began. Summarizing and studying the Chilean pension system management mode is of great reference to the development of China＇ s pension system, which is still in the stage of continuous improvement. This article takes Chile twice pension reform as a background, investigated their pension coverage, the size of the pension funds, the composition of the pension funds, cost and investment rate of return, income retirees indicators. Inspiration can be drawn from the case of Chile： China should strengthen the responsibility of the government in the transition, on the basis of strictly distinguish the regulatory agencies and management agencies, to strengthen the market competition of pension fund operation, and to promote the diversification of investment channels.