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养老金计划的成本主要包括养老金经济成本和养老金计划的管理成本。在养老金经济成本一定的情况下,养老金计划总成本的大小就主要取决于养老金计划的管理成本。20世纪90年代以来,为避免清偿不足的风险,美国新自由主义者主张将政府管理的 OASI 退体保障计划私有化。本文比较分析了 OASI 计划的管理成本:与美国共有基金、养老金基金和人寿保险公司这类被大多数人看作是 OASI 计划私有化管理替代者的金融机构的管理成本,探讨 OASI 计划私有化后,其管理成本的变动趋势。并据此预测中国公共养老金制度转轨后,管理成本的变动趋势。结论:养老基金转向私有化管理不是中国的唯一选择。
The cost of a pension plan mainly includes the economic cost of the pension and the management cost of the pension plan. In the case of the economic cost of the pension, the total cost of the pension plan depends on the management cost of the pension plan. Since the 1990s, to avoid the risk of insufficient liquidation, U.S. neolibearians have advocated the privatization of government-run OASI’s retirement protection scheme. This article provides a comparative analysis of the management costs of OASI programs: the management costs of financial institutions such as US-owned funds, pension funds and life insurers, which are considered by most as a proxy for the privatization of the OASI program, to discuss privatization of OASI programs After the change of its management costs trend. Based on this, we can predict the change trend of management cost after the transition of China’s public pension system. Conclusion: The transition from pension fund management to privatization is not the only option for China.