瑞士养老金体系及其资产管理经验对中国的启示

瑞士的养老金体系由三个支柱构成,其养老金资产管理制度理念先进,在保障养老金安全运行和稳定经济社会发展方面发挥了重要作用。从完善中国养老金制度建设和资金管理的目的出发,探讨瑞士养老金体系及其资产管理经验可资借鉴之处,以平衡政府、企业和个人责任,对中国实现一个制度公平、覆盖面广、可持续的养老保险体系具有重要的现实意义。

The Enlightenment of Swiss Pension System and Its Asset Management Experience to China

The Swiss pension system consists of three pillars.Its advanced concept of pension asset management system has played an important role in ensuring the safe operation of pensions and stabilizing economic and social development.Starting from the purpose of improving Chinas pension system construction and fund management,the Swiss pension system and its asset management experience can be used for reference,so as to better balance the responsibilities of the government,enterprises and individuals,and to achieve a fair and comprehensive system for China.It has important practical significance for China to realize a system of fairness,wide coverage and sustainable development of the pension insurance.