%0 Journal Article
%T 企业年金投资监管模式比较及对我国的启示<br>Comparison of Enterprise Annuity Investment Supervision Modes and Their Implications for China
%A 熊倪
%J Sustainable Development
%P 1784-1794
%@ 2160-7559
%D 2023
%I Hans Publishing
%R 10.12677/SD.2023.136202
%X 在我国人口老龄化加深的背景下，为了缓解我国巨大的养老压力，需要优化我国企业年金投资监管模式，增强企业年金的保障水平。通过对我国企业年金投资监管现状的分析，发现我国在投资限制、投资选择权、法律保障、信息披露以及基金担保等方面存在一些问题。基于对混合监管模式的认同，在借鉴美国401 (k)计划和智利私人养老金两种不同监管模式的基础上，提出了我国目前应当放宽企业年金的投资约束、增加受益人投资选择权、加大信息披露力度、引入举报制度、制定《企业年金法》以及完善风险补偿机制等建议。<br />
In the context of China’s deepening population aging, in order to alleviate the immense pressure of elderly care, it is necessary to optimize the regulatory mode of enterprise annuity investment and enhance the security level of enterprise annuity in China. Through an analysis of the current state of enterprise annuity investment supervision in China, certain issues are identified in investment restrictions: investment choice rights, legal safeguards, information disclosure, and fund guaran-tees. Based on recognition of the hybrid regulatory mode, drawing from the regulatory modes of the U.S. 401 (k) plan and Chile’s private pension system, several suggestions are proposed for China, including relaxing investment constraints on enterprise annuity, increasing beneficiary investment choice rights, enhancing information disclosure, introducing a reporting system, enacting the “Enterprise Annuity Law”, and improving risk compensation mechanisms.
%K 企业年金，投资监管，审慎监管，严格限量监管<br>Enterprise Annuity
%K Investment Supervision
%K Prudential Supervision
%K Strictly Limited Supervision
%U http://www.hanspub.org/journal/PaperInformation.aspx?PaperID=74968