养老保险制度变迁与保险公司的转型

Transformation of Pension System and Insurance Company's Reconstruction

传统养老保险制度的形成机制或技术基础都是保险统计原理,但是“三支柱”的养老金体系已成为世界范围内养老保险制度改革的主流模式,更强调制度的储蓄积累功能,由此形成的养老保险基金市场需要保险公司参与运作和管理。我国多层次养老金制度正处于转轨和完善阶段,结合国际经验和国内实践,本文提出保险公司应该转型为综合性金融集团。

Traditional pension system is based on insurance statistic theory. But 'Three- backbone' pension model is becoming the mainstream of worldwide pension system's reform, which emphasizes saving and accumulation functions. Thus operation and management of pension fund need participation of insurance company. Our country's Multi - layer pension system is in the process of changing and improving. Combining international experience and internal practice, the paper advises our insurance company should reconstruction to integrated financial group.