上海加快推动个人养老金发展策略

Strategies for Shanghai to Accelerate the Development of Personal Pension

上海金融机构资源富集,为个人养老金发展提供了有利的外部条件。应充分发挥金融领域的明显优势,引导各类机构积极参与个人养老金产品的研发和推广。发挥市场化金融机构相对发达的区位优势,为市场化运行为主的个人养老金产品投资提供重要的市场端支撑。注重保险、证券、银行等各类机构优势互补,针对不同群体设计不同类型的产品,给予个人养老金参与者更多选择。通过市场化机构间的产品竞争,促进各类机构不断创新优化产品,加速产品迭代,提升产品吸引力。

There are a lot offinancial institutions in Shanghai,providing favorable external conditions for the development of individual pensions.We should give full play to the obvious advantages in the financial field and guide various institutions to actively participate in the research,development and promotion of personal pension products;give play to the relatively developed regional advantages of market-oriented financial institutions,and provide important market side support for the investment in personal pension products dominated by market-oriented operation;pay attention to the complementary advantages of insurance,securities,banks and other institutions,design different types of products for different groups,and give more choices to individual pension participants.Through product competition among market-based institutions,various institutions are encouraged to continuously innovate and optimize products,accelerate product iteration,and enhance product attractiveness.