近日，多名专家表示，企业年金应该成为养老金第二支柱的重要组成部分，并且应该尽快扩大范围和提高速度。
企业年金是指由企业自主建立并管理的企业退休员工养老金制度，旨在为员工提供退休后的一定保障。然而，随着人口老龄化的加剧，养老金压力越来越大，企业年金也面临着发展的问题。
为此，专家们认为，企业年金应该成为养老金第二支柱的重要组成部分。这是因为，与由国家政府管理的养老金第一支柱相比，企业年金更具灵活性和适应性，能够更好地满足企业和员工的需求。
然而，目前企业年金的发展速度并不快。据人社部透露，截至 2021 年底，全国企业年金市场规模仅为 2.8 万亿元，相比于养老金市场规模，还有很大的增长空间。
因此，专家们呼吁，企业年金应该尽快扩面提速。一是要尽快放开企业年金市场，鼓励更多企业参与其中；二是要简化企业年金制度，提高其管理效率；三是要加强监管，确保企业年金的安全和可持续发展。
除了企业年金扩面提速，专家们还表示，养老金第二支柱还应该加强与其他养老金制度的衔接，形成多元化的养老金体系，更好地保障老年人的生活质量。
英文标题：Experts urge expansion and acceleration of employee pensions to support second pillar of retirement income
关键词：experts, urge, employee pensions, expansion, acceleration, retirement income, second pillar
新闻内容：
Recently, several experts have expressed the need for employee pensions to become a significant part of the retirement income second pillar, and to expand and accelerate its development.
Employee pensions refer to the retirement retirement system for employees organized by the company. It aims to provide a certain level of retirement income for employees. However, with the aging of the population, the pension pressure is increasing, and the employee pension system is also facing development issues.
Therefore, experts have pointed out that employee pensions should become a significant part of the retirement income second pillar. This is because employee pensions are more flexible and adaptable than the retirement system controlled by the government, and can better meet the needs of enterprises and employees.
However, the development speed of employee pensions is not fast. According to the Ministry of Human Resources and Social Security, the size of the employee pension market in China 截至 2021 年底仅为 2.8 trillion yuan, which is far less than the size of the retirement income market. Therefore, experts have urged that employee pensions should expand and accelerate.
Firstly, it is necessary to open up the employee pension market and encourage more enterprises to participate. Secondly, it is necessary to simplify the employee pension system and improve its management efficiency. Thirdly, it is necessary to strengthen supervision and ensure the safety and sustainable development of employee pensions.
In addition, experts have also pointed out that the retirement income second pillar should strengthen its connection with other retirement income systems, and form a diversified retirement income system to better support the living standards of elderly people.
【来源】http://www.chinanews.com/cj/2023/11-30/10120598.shtml
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