| 美国个人退休帐户发展状况分析 |
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| 引用本文： | 黄星星,董登新.美国个人退休帐户发展状况分析[J].武汉科技大学学报(社会科学版),2006,8(6):40-43,67. |
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| 作者姓名： | 黄星星 董登新 |
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| 作者单位： | 武汉科技大学,文法与经济学院,湖北,武汉,430081 |
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| 基金项目： | 湖北省中小企业中心重点项目 |
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| 摘 要： | 阐述了美国个人退休帐户三十余年来各个历史发展阶段中所呈现的特点,分析了个人退休帐户如何逐步发展壮大,并深入到美国家庭中,进而通过深入分析投资于IRA家庭的特征、账户资产状况、投资状况三个方面的状况,提出IRA在美国家庭养老储蓄中具有的重要作用,IRA是退休养老的重要保证。
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| 关 键 词： | 个人退休帐户 个人储蓄 养老保障 |
| 文章编号： | 1009-3699(2006)06-0040-04 |
| 修稿时间： | 2006年9月18日 |
Development of Individual Retirement Account in the USA |
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| HUANG Xing-xing,DONG Deng-xin.Development of Individual Retirement Account in the USA[J].Journal of Wuhan University of Science and Technology(Social Science Edition),2006,8(6):40-43,67. |
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| Authors: | HUANG Xing-xing DONG Deng-xin |
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| Abstract: | This paper elaborates on the characteristics of each historical stage of individual retirement account(IRA) development in the past 30 years in the USA,and discusses how IRA has been developing rapidly as to be accepted by almost every American household.It presents a detailed analysis of the features of IRA-owning households,IRA balances,and IRA investments.And based on these,it points out that IRAs have contributed greatly to enhanced retirement security,and served as a guarantee for retirement savings. |
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| Keywords: | IRA private savings social security |
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