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在我国与基本养老保险同时运行的企业年金,其覆盖面大大低于基本养老保险,主要原因是由于企业年金制度的定位不合理;制度设计不符合企业利益需要。造成大量的三资企业及民营企业没有参加到制度当中。目前正值国家把天津滨海新区作为金融改革和创新试点地区,企业年金的发展要以此为契机,将其发展并进行推广。
The main reason for the enterprise annuity that operates in China with the basic pension insurance is much lower than that of the basic old-age insurance because the positioning of the enterprise annuity system is unreasonable. The system design does not meet the needs of the enterprise interests. Resulting in a large number of foreign-funded enterprises and private enterprises did not participate in the system. At present, the state takes Tianjin Binhai New Area as a pilot area for financial reform and innovation. The development of enterprise annuity should be taken as an opportunity to develop and promote it.