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太保周燕芳:建議加大個人養老金稅收激勵 冀鼓勵更多年輕人參與
阿思達克 03-04 15:14
中國太保(02601.HK)戰略研究中心主任周燕芳接受內媒訪問時表示,在當前中國老齡化社會背景下,推動年輕人群積極配置個人養老金顯得尤其重要。 對於促進年輕人參與個人養老金配置的政策,周燕芳建議,一是加強個人養老金的宣傳,推廣養老金融知識,提升年輕人參與積極性;二是加大稅收激勵,通過發放財政補貼和調增繳費金額上限,引導年輕人長期參與;三是擴大個人養老金提前取出的條件,提升個人養老金靈活度;四是優化服務流程,降低個人養老金的選擇門檻。 周燕芳建議,優先對稅收優惠激勵不足的低收入群體,尤其是繳存期超過十五年的90後年輕群體的個人養老金賬戶發放財政補貼,鼓勵低收入年輕人群配置個人養老金、加強長期養老保障。另外,建議調增個人養老金年度繳費金額上限至2萬元人民幣,以加大EET模式下稅收優惠力度,提高稅收遞延的激勵效應,增加對中高收入年輕群體的吸引力。
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