第三支柱养老保险发展的问题与建议

Problems and Suggestions for the Development of the Third Pillar Pension Insurance

2021年《政府工作报告》提出“规范发展第三支柱养老保险”。“十四五”规划和2035年远景纲要提出“发展多层次、多支柱养老保险体系,规范发展第三支柱养老保险”。我国于2000年进入老龄化社会,不仅进入老龄化社会的速度较快,而且在此之后人口老龄化水平快速提高,未来人口老龄化水平长期处于高位,面临人口老龄化的“高原”而非“高峰”。

"The third pillar of pension insurance" is a high-frequency word for the two sessions in 2021, and it is also an important strategy for developed countries to deal with aging. It has important theoretical and practical significance to carry out research on China’s third pillar of pension insurance, thus put forward suggestions for improvement.