英国职业养老金发展动态及启示

本文介绍了英国职业养老金的基本情况。在老龄化等影响下,英国公共部门和私有部门职业养老金分别出现了严重危机。近年英国政府全面加强了职业养老金改革,包括实施养老金个人账户制,调整公共部门养老金政策,提出加强工作养老金的设想等。这些政策的核心是如何设计一种更有效率,但同时保障了人们养老需求的市场化私有养老金模式。英国职业养老金的发展的经验教训,对我国完善养老金制度有积极启示意义。

British Occupational Pension Development Trends and Enlightenment

This paper introduces the basic situation of the occupational pension of U. K. In aging, both of the British public sector and private sector occupational pensions had a serious crisis. In recent years, the BritiSh government has strengthen the occupational pensiofi reform, including implemente of the pension system of personal account, adjust the public - sector pension policy, put forward this paper of reinvigorating workplace pensions, etc. The core of the occupational pension policy is how to design a more efficient, but at the same time guarantee the private pension mode in market of people pension needs. These shall have positive enlightments on the China＇ s national pension reforms.