The Policy Research Of Small And Micro Enterprises Occupational Pension In US And Australia

Now,whether it is the United States or Australia,or other developing countries are showing the problem of population aging,the basic reference to the World Bank proposed three pillars of the old-age security system,establish and improve the national conditions for the old-age security system.In order to redefine the government,employers,employees tripartite responsibility,the development of small and micro enterprise development to match the professional pension plan has become a national policy options.Relying on the perspective of policy tools to explore the development of vocational pension in the United States and Australia context,summed up the United States and Australia thick roots in the development of soil and mechanism innovation,with legal tools,economic tools and information tools to analyze its policy design to attract both employers and employees The establishment of the pension plan system highlights,and through empirical data to verify the effectiveness of the mechanism after the implementation of innovation,mainly with the number of participants,DC/DB asset changes,the total amount of pension assets as a parameter,in order to explore the impact of policy.The United States adopts the voluntary pension plan form,but its perfect system design system,tax incentives continue to increase,from a variety of macro and micro data can be seen using EET tax preferential model has also become a small micro enterprise employees to join the program mechanical machine.Australia's Super Pension Scheme is a comprehensive coverage system,by the OECD and other international organizations favor and experience to promote.The institutional framework of the Australian Super Pension is regulated by a complete law,and its compulsory status for the small business pension scheme is also demonstrated,which provides a guarantee for sustainable development of the super annuity.According to the three dimensions of the policy-based perspective,this paper analyzes the differences and commonalities between the current small and medium-sized enterprises in the United States and Australia.In the future,it is necessary to make new considerations and trade-offs in the development of corresponding policies for the development of small and medium-sized enterprises in China.It really achieves a virtuous circle of policy reform,which can maintain the old-age interests of employees and choose innovative policy tools.Constant feedback to the "legal tools-economic tools-information tools" policy research closed-loop effect.