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我国基本养老保障覆盖的范围有限,目前仍有半数以上的居民没有被包括在基本养老保险的范围之内,没有公共养老年金提供的退休收入,因此带来的结果就是消费的降低和储蓄存款余额的居高不下,为商业养老年金的发展提供了充分的后备条件。这笔巨大的储蓄对个人养老保险的价值实现主要依赖于养老保险制度的设计上,如果能够通过合理的方式将本来就有养老动机的居民储蓄引导到对商业养老年金的需求上来,则既可以缓解政府公共养老保险面临的资金困境,也可以促进商业养老年金的发展。
The coverage of basic old-age security in our country is limited. At present, more than half of the residents are still not included in the basic old-age insurance and there is no retirement income provided by the public pension. As a result, the reduction of consumption and the balance of savings deposits Of the high, for the development of commercial pension provided sufficient reserve conditions. The realization of the value of this huge saving on individual pension mainly relies on the design of the pension insurance system. If it is possible to guide in a reasonable manner the savings that would have been motivated by the pension to the demand for commercial pensions, To alleviate the financial difficulties faced by the government public pension insurance can also promote the development of commercial pension.