From The International Development Trend Of The Endowment Insurance Watching The Reform Of Endowment Insurance In Our Country

Almost every country in the word pays more attention to endowment insurance and explores ways of reforming it positively. During China implementing opening economy to the outside world in recent more than ten years, around how set up and amplify social security systems, perfectly the endowment insurance system, which is the demanding promptly to solute, policy-making level and academia have launched quite extensive discussions, although has already formed some constructive suggestion and been adopted for the government, but still not enough. From the practice of reforming the endowment insurance system over the past two years in U.S.A., Germany, Sweden, Chile, Singapore and so on, we can find the reforming trend of the endowment insurance system in the world, draw experience and lesson from it. Combining with the current situation of endowment insurance of our country and the existing question, we could improve the endowment insurance system of our country from the following aspects: the government should avoid going on to extremes in providing insurance for the aged in the form of private ownership and personal responsibility, and continue to improve the inter-connected with accounts; the government should attach importance to the establishment of the system of providing insurance for the aged through supplementing pensions on the part of enterprises; and the government should recommend people to save money for aged .