国际变额年金的发展现状及其经验借鉴

The Current Situation of the Development of International Variable Annuity and Experience

变额年金作为应对人口老龄化、解决养老保障难题的重要产品,在欧美等发达国家养老保险市场中取得较大成功。在我国人口老龄化步伐不断加快的背景下,研究国际变额年金市场的产品特征、发展现状以及原因,对于我国构建多层次养老保障体系具有重要的理论和现实意义。

As an important product of variable annuity to cope with an aging population, to solve the pension problem, achieved great success in Europe and other developed countries endowment insurance market. The population aging in our country is accelerating the pace of the background, product characteristics, research the international variable annuity market development present situation and the reasons for, has important theoretical and practical significance to build a multi-level old-age security system in China.