商业银行如何参与养老保险基金运营

How Commercial Banks Participate in the Operation of Pension Funds

养老金基金运营为金融市场带来蓬勃生机。作为金融市场中坚力量的商业银行,在养老金基金运营中发挥着至关重要的作用。本文从商业银行的独特视角论述了商业银行参与养老金运营的理论依据和现实可行性,并紧密结合我国的现实情况以及国际经验,对我国商业银行参与养老金运营策略模式和养老金监督管理机制提出建议。

The operation of pension funds invigorates the financial market. As the backbone of the financial market, commercial banks play a vital role in the operation of pension funds. From the unique perspective of the commercial banks, this paper discusses the theoretical basis and feasibility of commercial banks＇ participation in the operation of pension funds, and in line with China＇s conditions and international experience, puts forward suggestions on the strategies and modes for the commercial banks to participate in the operation of pension funds and also on the pension supervision and management mechanisms.