- 1、本文档共20页,可阅读全部内容。
- 2、原创力文档(book118)网站文档一经付费(服务费),不意味着购买了该文档的版权,仅供个人/单位学习、研究之用,不得用于商业用途,未经授权,严禁复制、发行、汇编、翻译或者网络传播等,侵权必究。
- 3、本站所有内容均由合作方或网友上传,本站不对文档的完整性、权威性及其观点立场正确性做任何保证或承诺!文档内容仅供研究参考,付费前请自行鉴别。如您付费,意味着您自己接受本站规则且自行承担风险,本站不退款、不进行额外附加服务;查看《如何避免下载的几个坑》。如果您已付费下载过本站文档,您可以点击 这里二次下载。
- 4、如文档侵犯商业秘密、侵犯著作权、侵犯人身权等,请点击“版权申诉”(推荐),也可以打举报电话:400-050-0827(电话支持时间:9:00-18:30)。
“PensionReforminChina”
BYSTUARTH.LECKIE,O.B.E.,J.P.,F.F.A.,F.I.A.CHAIRMAN,GREATERCHINAHEWITTASSOCIATESTEL:(852)21479278FAX:(852)21472822E-mail:stuart.leckie@21JanuaryTheActuarialProfession-AgeingPopulation中国养老金改革第1页
ContentsMapofChinaPRCPopulationOldSystem(‘IronRiceBowl’)WorldBankPensionPrinciplesfortheFutureNewSystem(‘SafetyNet’)FinancingPensionAssetsDevelopCapitalMarketsImplementationIssuesSupplementaryPensionPlansOpportunitiesforFundManagersNationalSocialSecurityFundLiaoningExperimentComparisonofHongKongandPRCPossibleDevelopmentsinChinaMajorFactorsforanIdealRetirementSystem中国养老金改革第2页
MapofChina中国养老金改革第3页
PRCPopulationTotal:RuralPopulation:+UrbanPopulationConsider:OneChildPolicyGreatlyimprovedlifeexpectancyDependencyRatiodeterioratingrapidlyExceeds1.2billion900million+400millionAges:0-14 100million15-64 275million65+ 25million中国养老金改革第4页
OldSystem(‘IronRiceBowl’)WorkersemployedforlifebyStateOwnedEnterprises(SOE)LowWagesbutTotalSecurityPensionat60(Males)or55(Females)=80%offinalsalaryPensionspaidbySOEsNoPre-fundingorReserves(i.e.pay-as-you-go),butwhatifSOEsunabletopaypensions?Chinaisveryconcernedaboutsocialunrestresultingfromunpaidpensionsandtheunemployed中国养老金改革第5页
WorldBankInearly1990s,WorldBankstudieshowbesttosolvetheageingissuesinChinaWorldBanksuggestedathreepillarapproachGovernmentrunbasicpensionPrivatelyrunindividualaccountsVoluntaryemployer/individualsavings1993and1996announcementsonsocialsecurityreformUnifysocialsecuritypensionCreateindividualaccountswithinbasicsocialsecurityEnhancewithsupplementarypensionplans中国养老金改革第6页
PensionPrinciplesfor
文档评论(0)