人口老龄化背景下推动我国第三支柱养老保险发展的路径研究

进入老龄化时代，养老保险面临的支付压力越来越大，应加快建立起多层次、结构合理的养老保险体系。从国际经验来看，世界各国都将第三支柱养老保险作为养老保险体系优化改革的重点，并取得了显著的成效。尽管第三支柱养老保险取得初步发展，但是由于养老保险三支柱之间比列失衡、财政的配套支持不够、个人参保认识局限、长寿时代金融产品风险管控难度增加等一系列问题使得第三支柱养老保险的发展还存在较大的提升空间。通过加大税收政策支持、丰富个人养老产品供给、优化金融行业保险业务服务、探索消费积累型个人养老保险模式等方式推进第三支柱养老保险的发展。

Research on the Path to Promote the Development of the Third Pillar of China's Endowment Insurance under the Background of Population Aging

Into the aging era, pension insurance is facing more and more payment pressure. It is necessary to accelerate the establishment of multi-level, reasonable structure of the pension insurance system, from the international experience, the third pillar of the world as the focus of the pension system optimization reform, and achieved remarkable results. Although China has made a useful exploration in the field of the third pillar of endowment insurance, but due to the imbalance of the three pillars, insufficient financial support, limited understanding of individual insurance. A series of problems such as the increase in the difficulty of risk control of financial products in the era of longevity make the development of the third pillar pension insurance still have more room for improvement, and it is necessary to promote the development of the third pillar of pension insurance by increasing policy support, enriching the supply of personal pension products, Optimizing insurance business services, and exploring consumption-accumulation personal pension insurance.