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澳大利亚超级年金体系发展较为成熟,运行相对规范,已成为澳大利亚养老金体系的重要组成部分。其超级年金监管架构运行顺畅,监管法规制度体系健全,监管有效性较高,对我国开展养老金监管工作具有一定的参考价值和借鉴意义。本文对澳大利亚超级年金体系及其监管框架进行了研究,重点分析了超级年金的监管主体架构、制度特点和技术工具。在此基础上,从建立覆盖养老金运行全流程的监管主体架构、加快构建养老金管理公司监管制度框架、健全金融监管部门的协调机制、强化审慎监管及加强行为监管等方面提出了完善我国养老金监管体系的政策建议。
The development of Australia’s super annuity system is relatively mature and its operation is relatively standardized. It has become an important part of Australia’s pension system. Its super annuity regulatory framework runs smoothly, the system of regulatory rules and regulations is sound, and the regulatory effectiveness is high, which is of certain reference value and reference for the pension supervisory work in our country. This paper studies the Australian super annuity system and its regulatory framework, focusing on the regulatory framework, institutional characteristics and technical tools of the super annuity. On this basis, from the establishment of a regulatory body covering the whole process of pension operation, speeding up the construction of the regulatory framework of the pension management company, improving the coordination mechanism of the financial regulatory authorities, strengthening prudential supervision and strengthening supervision of behavior, Policy recommendations of the gold regulatory system.