个人养老金发展的现实难题与优化探索

The Practical Difficulties and Optimization Exploration ofPrivate Pension Development

自2022年11月正式启动以来,我国个人养老金制度运行平稳有序,参与人数不断增加,但参与者覆盖面较窄,缴费人数和缴存、投资金额不及预期,其原因在于税收优惠力度不够、产品吸引力不足、政策宣传和养老金融教育不到位、账户资金流动性较弱、配套体系不健全等。因此,我国应加大税收优惠力度、加强产品创新和供给、强化政策宣传和养老金融教育、提高资金流动性、完善配套体系建设,提升民众的缴费、投资积极性,推动个人养老金健康发展。

Since its official launch in November 2022,China’s private pension system has been operating smoothly and orderly,with an increasing number of participants.However,the coverage of participants is relatively narrow,and the number of participants,as well as the amount of contributions and investments,fall short of expectations.The reasons for this are insufficient tax incentives,lack of product appeal,inadequate policy promotion and pension finance education,weak liquidity of account fund,and incomplete supporting systems.Therefore,China should increase tax incentives,strengthen product innovation and supply,strengthen policy promotion and pension financial education,improve liquidity of funds,improve the construction of supporting systems,and enhance the enthusiasm of the public for contributing and investing,so as to promote the healthy development of private pension.