The Experiences and Insights of the UK Occupational Pension Reform of Automatic Enrolment Mechanism
The automatic enrolment mechanism plays an important role in expanding the coverage of occupational pension.Taking the UK scheme as an exampl,its content characteristics include:in policy design,the combination of policy promotion and feedback collection is pursued;In terms of participation,consider both broad coverage and individual differences;During the operation process,clarify the rights and obligations of different subjects;In terms of platform construction,emphasis should be placed on the convenience of participation and the effectiveness of investment services.The reform has achieved good results in increasing the participation rate of the plan,stabilizing the withdrawal rate of the plan,enhancing the compliance of the plan operation,and promoting the development of high-quality occupational pension plans.At the same time,there are shortcomings in controlling time costs,tilting policies for low-income groups,and promoting supporting measures.Referring to the UK model and taking into account the current development situation of occupational pension in China,in the future,China may carry out systematic publicity and education in terms of policy promotion;In terms of participation methods,moderately reduce the entry threshold;In terms of planning operation,optimize the development mode of collective planning;In terms of system construction,improve functional blocks and interconnection mechanisms;Provide a good atmosphere,wide audience,high-quality carrier,and solid guarantee for the reform of the automatic joining mechanism.
occupational pension systemautomatic enrolment mechanismthe United Kingdom
万方数据
维普
