完善制度建设，优化源头活水

——中国养老金体系探讨及个人养老金业务发展之建议

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中图分类号：F842.6 文献标识码：A 文章编号：1004-0714（2025）08-0024-07

Abstract：This paper focuses ion exploring how to enhance the effectiveness of China residential pension system from the perspective of individualiretirement account.It emphasizes that the key to adressing the contradiction of“boomin account opening yet slump in contributions”lies in improving system construction and providing convenience for account management.Several operational suggestions were proposed，including establishing transfer mechanism between different private retirement accounts，building and improving the investment advisory system for private pension business，optimizing tax policies，and developing qualified default investment alternative services and a unified，open information platform.

Keywords：Individual Retirement Account;PolicyOptimization;Accounts Transfer;Information Platform

随着全球人口老龄化趋势的加剧，养老金体系的有效性和可持续性成为广泛关注的话题。（剩余12594字）