企业年金风险监管的主要环节与政策框架

我国企业年金运营模式复杂,年金市场涉及金融机构类型众多,风险监管尤为重要。首先要加强信用风险监管,保证相关利益主体的相对独立性,注重投资风险和运行的公平。监管机构应当加强主动监管,推动协同监管框架的创新尝试,加强监管主体之间以及其自身部门之间的信息沟通,重点监管关联交易及其可能带来的风险。

The Risk Supervision on the Annuity: the Process and the Framework

The supervision on risks is especially important for the annuity market in China due to the annuity's complex working models and the variety of the involved financial institutions. The credit risks must be monitored closely to ensure the relative individuality of the interests, the equality of the management and the awareness of the investment risks. The supervision institution should strengthen the active supervision, encourage the innovations on the coordinated supervision, enhance the exchange of information within and with the supervised with the emphasis on the supervision on the related trades and hereafter the risks.