机关事业单位养老保险机制创新——基于“转型名义账户制”思路的制度设计

随着银行、证券、保险业务的逐步融合，交叉业务、金融衍生产品的不断推陈出新，我国现行的分业监管体制的局限性日渐突出，文章对比分析了混业监管与分业监管，提出混业监管模式更适应混业经营、业务创新的需要。同时加强混业监管，将更有利于提高我国金融监管效率，防范和化解金融风险。

The Research on Creative Mechanism of Pension Insurance System in the Public Institutions

As the town enterprise pension insurance system becoming gradually perfect, it is one of the most tough questions to build up public institutions pension insurance system in the social pension insurance work currently. Owing to following inertial idea of the reform path in the town enterprise pension insurance, the reformation of public institution pension may be faced with many disasters and crises currently, This paper analyses the insufficient source of the organization of public institutions pension insurance system and combines with the basic characteristics of the organization of public institutions pension. Its aim is to establish the whole country unifications of society guarantee system in the least transformation cost and put forward the new idea about the creative mechanism of pension insurance system in the public institutions Nominal Transform of the Account System.