养老金投资国际比较与借鉴

An International Comparison of Pension Investment

国际经验显示,发展多支柱的养老金计划,提升养老金市场化投资水平,有助于扩大养老金资产规模,缓解政府养老保障支出的压力,促进财政与金融的良性循环。本文在分析我国现有养老金投资现状和问题的基础上,借鉴国际养老金投资的经验,提出优化我国第一、第二和第三支柱养老金投资的政策建议。

International experience shows that developing multi-pillar pension plans and raising the market-oriented investment level of pensions will help expand the scale of pension assets, relieve the pressure from government pension expenditures and promote the virtuous circle of finance and finance. This paper analyzes the current situation of pension investment in China. It also draws lessons from the experience of international pension investment and offers some policy suggestions to optimize China’s three pillars of pension investment.