个人养老金监管的国际经验

The International Experience of Personal Pension Regulation

近年来,我国积极推动个人养老金健康发展,但与不少发达国家相比,我国个人养老金起步较晚,在监管中仍存在法律制度有待健全、配套制度亟待完善、监管权责界定不够细化、自律监管组织和社会监管机制缺乏、监管方式较为单一等问题。本文分析了我国个人养老金监管的优势和挑战,选取个人养老金发展相对成熟且模式各异的美国、德国、日本、加拿大和新加坡等国家,从参与环节、投资环节和领取环节三个方面探讨个人养老金监管的国际先进经验,并从我国现实出发,提出了加强个人养老金监管、规范个人养老金市场发展的建议。

In recent years,China has actively promoted the healthy development of personal pensions,but compared with many developed countries,China's personal pensions started late,and there are still problems such as the legal system needs to be improved,the supporting system needs to be perfected,the definition of supervisory rights and responsibilities is not detailed enough,the lack of self-regulatory organizations and social supervisory mechanisms,and the supervisory approach is relatively single.This paper analyzes the advantages and challenges of China's personal pension regulation,selects the United States,Germany,Japan,Canada and Singapore,where the development of personal pensions is relatively mature and the mode is different,discusses the international advanced experience of personal pension regulation in three aspects,namely,participation,investment and receiving,and puts forward the suggestions to strengthen the regulation of personal pension and standardize the development of the personal pension market in the light of China's reality.