中国个人储蓄养老制度上的认识误区与对策

现有在认识上对个人储蓄养老保险还存在若干认识误区:个人储蓄养老保险只是包括城镇职工;个人储蓄养老是自愿的,不需要配套的规章制度、法规;个人储蓄养老必然由商业保险公司经办;个人储蓄养老与基本养老保险、与企业单位补充保险挂钩;把个人储蓄养老保险仅仅定位在减轻国家养老负担方面。基本对策:应当建立全民性的个人储蓄养老保险制度和个人账户。

On Misconceptions and Countermeasures of the Personal- Saving- Based Old-Age-Care System in China

There have existed some misconceptions about the present personal -saving -based old -age -care system in China. The misconceptions are as follows:the system only covers the urban employees; personal - saving - based old - agecare is voluntary and doesnf need support of laws and regulations; the system is necessarily operated by commercial insurance institutions; the system is combined with the basic old - age insurance and enterprise additional insurance; the system is operated only to reduce the national burden of old - age care and so on. In regard to these misconceptions, we should strive to establish the all - national system of personal - saving - based old - age - care and the personal account.