沈阳大学学报（社会科学版）2024，Vol.26Issue(4)：30-36,7.
我国个人养老金制度有效性分析及完善路径
Analysis of Effectiveness of China's Personal Pension System and Its Improvement Path
摘要
Abstract
Based on the behavioral life-cycle theory and prospect theory,the system design of personal pension was expounded,the deep operation logic of China's personal pension system was analyzed.The problems were found,such as irreplaceable personal pension savings psychological account,high investment risk aversion,and limited attractiveness of preferential tax policies.Some countermeasures was proposed to improve the personal pension system:to add a default mechanism,strengthen market and government regulation and supervision,and supplement the preferential tax model.The means of adding a default mechanism,strengthening market and government regulation and supervision,and supplementing the preferential tax model were put forward to improve the personal pension system.关键词
个人养老金/行为生命周期理论/养老储蓄/投资决策/制度设计Key words
personal pensions/behavioral life-cycle theory/retirement savings/investment decisions/institutional design分类
管理科学引用本文复制引用
陈建梅,武慧..我国个人养老金制度有效性分析及完善路径[J].沈阳大学学报（社会科学版）,2024,26(4):30-36,7.基金项目
黑龙江省哲学社会科学研究规划项目(23SHB137). （23SHB137）
