個(gè)人養(yǎng)老金制度正式出爐

China rolled out a private pension plan on Thursday to complement the nation's current pension system in its latest effort to tackle the strains of an aging population.

《國務(wù)院辦公廳關(guān)于推動個(gè)人養(yǎng)老金發(fā)展的意見》4月21日公布。隨著人口老齡化的加劇，推動個(gè)人養(yǎng)老金發(fā)展，是對基本養(yǎng)老保險(xiǎn)的有效補(bǔ)充。

The plan allows Chinese citizens to contribute up to 12,000 yuan annually to individual pension accounts subject to closed-end management, according to guidelines released by the State Council. The cap would be adjusted according to social and economic development as well as how the country's pension system evolves.
意見規(guī)定，個(gè)人養(yǎng)老金實(shí)行個(gè)人賬戶制度，實(shí)行封閉運(yùn)行，每年繳納個(gè)人養(yǎng)老金的上限為12000元，未來還會根據(jù)經(jīng)濟(jì)社會發(fā)展水平和多層次、多支柱養(yǎng)老保險(xiǎn)體系發(fā)展情況等因素適時(shí)調(diào)整繳費(fèi)上限。

Funds in the accounts can be used to purchase financial products of relatively lower risk and a longer-term investment horizon, according to the guidelines.
意見規(guī)定，個(gè)人養(yǎng)老金資金賬戶資金可用于購買風(fēng)險(xiǎn)相對較低、投資期限較長的金融產(chǎn)品。

The government will offer tax incentives to encourage participation in the new system.
國家制定稅收優(yōu)惠政策，鼓勵(lì)符合條件的人員參加個(gè)人養(yǎng)老金制度。