CAJ | 학술논문

针对国内各界对我国养老金入市的忧虑问题,本文通过对国际主流国家养老金入市的具体做法进行比较分析,认为我国养老金入市有其必要性,同时也具备一定的可行性,我国养老金入市是大势所趋,重点在于政策方面的选择,应该尽快设置独立的监管机构,放松＂数量限制＂规则并向＂谨慎人＂规则转变,推出独立的养老金个人账户,增加个人选择的自由度,并以资本市场为主要的投资领域,谨慎向其他市场拓展。
침대국내각계대아국양로금입시적우필문제,본문통과대국제주류국가양로금입시적구체주법진행비교분석,인위아국양로금입시유기필요성,동시야구비일정적가행성,아국양로금입시시대세소추,중점재우정책방면적선택,응해진쾌설치독립적감관궤구,방송＂수량한제＂규칙병향＂근신인＂규칙전변,추출독립적양로금개인장호,증가개인선택적자유도,병이자본시장위주요적투자영역,근신향기타시장탁전。
In view of the public concerns about pension funds into the capital markets in China, this paper comparatively analyzes the methods of pension funds into the capital markets in major countries and points out the necessity and feasibility of pension funds into the capital markets in China. Pension funds into the capital markets is an inevitable trend. The point is the policy choice. An independent supervisory authority should be set up as soon as possible. ＂quantitative limitation regulation＂ should be relaxed and converted into ＂prudent person rule＂. Independent persional pension account should be opened and the freedom of personal choice should be increased. While capital market is still a major investment area, other markets should be explored with discretion.