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各国养老保险组合表现方式不一,但目的都一样,即促进补充养老保险与基本养老保险协调发展,分散风险,增强保障效果。纵观各国补充养老保险的发展过程,能给我们以下几方面的启示:
The pension insurance portfolios of different countries show different ways, but the purposes are the same, that is, promote the coordinated development of supplementary pension insurance and basic pension insurance, diversify risks and enhance the guarantee effect. Looking at the development of supplementary pension insurance in various countries, we can give us the following enlightenment: