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为了完善我国的社会保障制度,促进基本养老保险制度的可持续性发展,满足将来人口老龄化高峰时期养老金支出的需要,探索个人账户基金运营及监管的策略意义深远。简要回顾了个人账户基金的发展历程,分析了其采取市场化运营方式的必要性和可行性,并就个人账户基金的治理结构、管理方式、监督体制和模式等方面进行了探讨。
In order to perfect our country’s social security system, promote the sustainable development of the basic pension insurance system and meet the needs of the pension expenditure in the peak of population aging in the future, it is of far-reaching significance to explore the strategy of individual account fund operation and supervision. It briefly reviews the development history of individual account funds, analyzes the necessity and feasibility of adopting market-oriented operation mode, and discusses the governance structure, management mode, supervision system and mode of individual account funds.