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个人购买商业养老保险是解决养老问题的理想路径之一。但是,由于人们多数存在信息和知识缺乏、静态思维、短视、依靠故事作出投资决策、过度自信等问题,很难做出理性的购买商业养老保险的决策。养老保险税收优惠政策能够使人们“当下”就获得“可见的”利益,克服人们的非理性问题,极大地提高养老保险的吸引力,有利于降低国家基本养老保险的负担,进而解决我国面临的社会养老问题。
Personal purchase of commercial pension insurance is one of the ideal ways to solve the problem of endowment. However, it is difficult to make rational decisions on the purchase of commercial pension insurance due to the lack of information and knowledge, static thinking, short-sightedness, story-based investment decision-making and overconfidence. The preferential tax policies for pension insurance can make people “gain ” the “visible ” benefits, overcome people’s irrational problems, greatly improve the attractiveness of pension insurance, and help to reduce the burden of national basic pension insurance, and thus Solve the social pension problems that our country faces.