开发个人退休账户市场研究

A Study on the Development of Individual Retirement Account Market

文章首先分析了美国个人退休账户的发展特点、规模、历史原因及管理形式 ,通过最低购买量预测模型的分析 ,提出中国居民收入水平已经部分具备购买个人退休账户的能力 ,其中高收入阶层应该成为基金管理公司发展个人退休账户市场的突破口 ,最后设计了中国基金管理公司开发个人退休账户的产品形式。

The paper first analyzes the characteristics,scale,historical reasons and management models of the development of individual retirement account(IRA)in the United States.Then,based on the analysis of predictive model of minimum purchase quantity,the paper points out that income level of Chinese citizens has reached such a point that they are partly able to purchase individual retirement account,and that high-income class is supposed to be the breakthrough of developing the individual retirement account market.Finally the paper designs a product form of developing individual retirement account in China.