|
| 文章编号：1672-3104(2003)04-0444-05 |
| |
|
工业化发达国家补充养老保险制度的经验和启示 |
| |
郭超贤，袁小伟 |
| |
|
（中南大学粉末冶金学院，湖南长沙，410083） |
| |
| 摘 要： 通过对德国的社会养老保险模式、英国的老年保障与补充养老保险以及美国的私人养老保险制度的分析，认为借鉴这些工业化发达国家补充养老保险的经验有益于我国社会保障制度的建立，指出我国养老保障从单一支柱走向多支柱已是大势所趋，而补充养老保险计划一般实行基金积累原则，同时补充养老保险积累资金需要市场化的投资运营。 |
| |
| 关键词： 补充养老保险; 基金积累; 职业年金; 投资运营 |
| |
|
| |
The experience and enlightenment of supplementary endowment insurance in industrialization developed countries |
| |
GUO Chao-xian， YUAN Xiao-wei |
| |
（Powder Metallurgy Research Institute, Central South University, Changsha 410083, China） |
| |
| Abstract: In this paper, the author will analyze the model of social endowment insurance in German, senile security and supplementary endowment insurance in Britain and private endowment insurance system in America, because the experience of supplementary endowment insurance in Industrialization Developed Countries for reference will benefit the establishment of social insurance system in our country. At the same time, the author points out the fact that our country′s endowment insurance has changed from single pillar to multi-pillar, and therefore supplementary endowment insurance should follow the principles of fund accumulation, capital accumulation of supplementary endowment insurance also needs marketization investment operation. |
| |
Key words: supplementary endowment insurance; fund accumulation; occupation pension; investment operation |
| |
|
