{"id":3180,"date":"2018-11-01T19:58:49","date_gmt":"2018-11-01T11:58:49","guid":{"rendered":"https:\/\/www.mpfdiy.com\/?p=3180"},"modified":"2018-11-01T20:31:59","modified_gmt":"2018-11-01T12:31:59","slug":"%e7%a9%8d%e9%87%91%e6%96%b0%e8%81%9e38-%e7%a9%8d%e9%87%91%e5%b1%80%e9%80%80%e4%bc%91%e9%87%91%e5%88%b6%e5%ba%a6%e7%a0%94%e8%a8%8e%e6%9c%83","status":"publish","type":"post","link":"https:\/\/www.mpfdiy.com\/2018\/11\/%e7%a9%8d%e9%87%91%e6%96%b0%e8%81%9e38-%e7%a9%8d%e9%87%91%e5%b1%80%e9%80%80%e4%bc%91%e9%87%91%e5%88%b6%e5%ba%a6%e7%a0%94%e8%a8%8e%e6%9c%83\/","title":{"rendered":"\u7a4d\u91d1\u65b0\u805e#38 – \u7a4d\u91d1\u5c40\u9000\u4f11\u91d1\u5236\u5ea6\u7814\u8a0e\u6703"},"content":{"rendered":"
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<\/p>\n
\u7a4d\u91d1\u5c40\u65bc2018\u5e7410\u670829\u65e5\u8209\u8fa6\u4e86\u4e00\u5834\u7814\u8a0e\u6703\uff08\u898b\u6b64<\/a>\uff09\uff0c\u4e3b\u8981\u6709\u7a4d\u91d1\u5c40\u7684\u4ee3\u8868\u8b1b\u8ff0\u4e86\u9999\u6e2f\u5f37\u7a4d\u91d1\u768420\u5e74\u6b77\u53f2\u53ca\u5c07\u4f86\uff0c\u8207\u53caOECD \uff08\u7d93\u6fdf\u5408\u4f5c\u8207\u767c\u5c55\u7d44\u7e54\uff09\u7684\u4ee3\u8868\u8b1b\u8ff0\u4e86\u570b\u969b\u4e0a\u5c0d\u61c9\u9000\u4f11\u91d1\u7684\u653f\u7b56\u3002<\/span><\/p>\n <\/p>\n \u9664\u4e86\u7b46\u8005\u9019\u540d\u696d\u5916\u4eba\u58eb\uff0c\u76f8\u4fe1\u5176\u4ed6200\u591a\u4f4d\u53c3\u8207\u8005\u7d55\u5927\u90e8\u4efd\u90fd\u662f\u696d\u5167\u4eba\u58eb\uff0c\u5404\u71df\u8fa6\u5546\u3001\u53d7\u8a17\u4eba\u3001\u57fa\u91d1\u7d93\u7406\u90fd\u6709\u6d3e\u8981\u54e1\u51fa\u5e2d\uff0c\u4ee4\u662f\u6b21\u7814\u7a76\u6703\u53ef\u8aaa\u662f\u96f2\u96c6\u4e86\u4e00\u773e\u696d\u754c\u9245\u982d\u3002\u53ef\u80fd\u9664\u4e86\u5e74\u982d\u5e74\u5c3e\u7684\u8c6c\u8089\u734e\u9812\u734e\u79ae\u4e4b\u5916\uff0c\u672c\u5e74\u5f37\u7a4d\u91d1\u696d\u754c\u6700\u9f4a\u4eba\u7684\u805a\u6703\u90fd\u53ef\u7b97\u662f\u9019\u6b21\u7814\u7a76\u6703\u3002\u4e0d\u5c11\u8207\u6703\u8005\u90fd\u8d81\u4e2d\u9593\u4f11\u606f\u671f\u9593\u4e92\u76f8\u4ea4\u6d41\u6216\u805a\u820a\u806f\u8abc\uff0c\u9019\u76f8\u8655\u6a5f\u6703\u5c0d\u4ed6\u5011\u4f86\u8aaa\uff0c\u53ef\u80fd\u6bd4\u7814\u8a0e\u6703\u8b1b\u8005\u7684\u5167\u5bb9\u66f4\u70ba\u5438\u5f15\u3002<\/span><\/p>\n <\/p>\n \u4f46\u7b46\u8005\u53ea\u662f\u696d\u5916\u4eba\u58eb\uff0c\u9762\u5c0d\u96de\u5544\u5514\u65b7\u7684\u696d\u754c\u4e2d\u4eba\u7121\u5f9e\u52a0\u5165\u63d2\u5480\uff0c\u60df\u6709\u5c07\u7814\u7a76\u6703\u5167\u8b1b\u8005\u7684\u5167\u5bb9\u91cd\u9ede\u7d66\u5927\u5bb6\u8f49\u8ff0\u3002<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n \u8981\u9ede1. eMPF<\/span><\/strong><\/span><\/p>\n <\/p>\n \u898b\u524d\u6587<\/a>\uff0ceMPF \u5df2\u860a\u91c0\u4e86\u4e00\u6bb5\u6642\u9593\uff0c\u4ea6\u662f\u4eca\u6b21\u7814\u7a76\u6703\u7684\u5176\u4e2d\u4e00\u500b\u91cd\u9ede\u3002\u770b\u4f86\u7a4d\u91d1\u5c40\u65bc\u9810\u8a2d\u6295\u8cc7<\/a>\u5f8c\uff0c\u672a\u4f86\u6700\u5927\u653f\u7b56\u4fbf\u662feMPF\u3002<\/span><\/p>\n <\/p>\n \u7b46\u8005\u89ba\u5f97\u5982\u679ceMPF\u7684\u767c\u5c55\u662f\u4ee5\u4e2d\u592e\u5316\u4f86<\/span><\/span>\u7ba1\u7406MPF \u7684\u884c\u653f\u5de5\u4f5c\uff0c\u4ee5\u70ba\u5c31\u53ef\u4ee5\u964d\u4f4e\u8cbb\u7528\u53ca\u589e\u52a0\u6548\u7387\uff0c\u9019\u7a2e\u653f\u7b56\u601d\u7dad\u5176\u5be6\u662f\u6709\u9ede\u843d\u4f0d\u3002<\/span><\/p>\n <\/p>\n \u50b3\u7d71\u7ba1\u7406\u539f\u7406\u901a\u5e38\u662f\u65bc\u4e2d\u592e\u5316\u53ca\u5730\u5340\u5316\u9019\u5169\u500b\u6975\u7aef\u64fa\u4f86\u64fa\u53bb\uff0c\u4f46\u9019\u5957\u7ba1\u7406\u539f\u7406\u65bc\u73fe\u4eca\u4e16\u4ee3\u5df2\u7d93out\u6652\u3002\u5927\u5bb6\u60f3\u60f3\u60f3\u4ee5\u5f80\u4ea4\u901a\u5de5\u5177\u591a\u5143\u5316\uff0c\u5230\u73fe\u6642\u4e00\u9435\u7368\u5927\uff0c\u5c0d\u5e02\u6c11\u5176\u5be6\u662f\u597d\u662f\u58de\uff1f<\/span><\/p>\n <\/p>\n \u70ba\u653f\u8005\u4e00\u5411\u4ee5\u7ba1\u5c11\u70ba\u5999<\/span>\u7684\u614b\u5ea6\uff0c\u8207\u73fe\u4eca\u793e\u6703\u7684\u591a\u5143\u5316<\/span>\u671f\u671b\u5357\u8f45\u5317\u8f4d\u3002\u518d\u8005\uff0c\u5982\u679c\u771f\u7684\u662f\u4ee5\u4e2d\u592e\u5316\u904b\u884ceMPF\uff0c\u5c07\u4f86\u7531\u8ab0\u7ba1\u7406\uff0c\u7531\u8ab0\u6536\u9322\uff0c\u5404\u65b9\u65e2\u5f97\u5229\u76ca\u8005\u53c8\u6709\u4e00\u756a\u535a\u5f08\u3002\u7b46\u8005\u8a8d\u70ba\uff0c\u964d\u6536\u8cbb\u7684\u6700\u4f73\u653f\u7b56\u662f\u66f4\u52a0\u5e02\u5834\u5316<\/span>\u3001\u53bb\u4e2d\u5fc3\u5316<\/span>\u3001\u96fb\u5b50\u5316\u3001\u4eba\u5de5\u667a\u80fd\u5316\u7b49\u7b49\uff0c\u5982\u679ceMPF \u8b8a\u70ba\u55ae\u4e00\u5316\u4e2d\u592e\u5316\u5b98\u50da\u5316\uff0c\u4e00\u5b9a\u5f97\u4e0d\u5617\u5931\u3002<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n \u8981\u9ede2. \u9577\u58fd\u7ba1\u7406<\/span><\/strong><\/span><\/p>\n <\/p>\n \u6709\u8b1b\u8005\u65bc\u7814\u8a0e\u6703\u4e2d\u63d0\u53ca\u5f37\u7a4d\u91d1\u5e73\u5747\u4f54\u9000\u4f11\u6536\u5165\u768434%\uff0c\u800cOECD \u7684\u9996\u5e2d\u7d93\u6fdf\u5e2b\u4ea6\u65bc\u7814\u8a0e\u6703\u4e0a\u5f37\u8abf\u9000\u4f11\u91d1\u8981\u5c0d\u61c9(\u6297) \u9577\u58fd\u98a8\u96aa\u3002<\/span><\/p>\n <\/p>\n \u570b\u969b\u4e0a\u7684\u9000\u4f11\u91d1\u53ef\u5206\u70ba\u5169\u5927\u985e\uff1adefined benefit \u53ca defined contribution\u3002 \u7b2c\u4e00\u985edefined benefit\u8fd1\u4f3c\u9577\u4ff8\u3001\u751f\u679c\u91d1\u53ca\u5168\u6c11\u9000\u4fdd\uff0c\u6709\u65e2\u5b9a\u7684\u9000\u4f11\u5f97\u76ca\uff0c\u9000\u4f11\u91d1\u6309\u500b\u4eba\u7684\u689d\u4ef6<\/span>\u5206\u6d3e\uff1b\u7b2c\u4e8c\u985edefined contribution\u4f3c\u5f37\u7a4d\u91d1\u53ca\u516c\u7a4d\u91d1ORSO\uff0c\u6709\u65e2\u5b9a\u7684\u9000\u4f11\u6295\u5165\uff0c\u9000\u4f11\u91d1\u6309\u500b\u4eba\u7684\u4f9b\u6b3e\u53ca\u4f9b\u6b3e\u56de\u5831<\/span>\u5206\u6d3e\u3002\u7b2c\u4e00\u985e\u4e3b\u8981\u4f9d\u8cf4\u653f\u5e9c\uff0c\u7b2c\u4e8c\u985e\u4f9d\u8cf4\u500b\u4eba\u53ca\u516c\u53f8\u3002OECD \u9996\u5e2d\u7d93\u6fdf\u5e2b\u4ea6\u5f37\u8abf\u9000\u4f11\u91d1\u8981\u6709asset based\uff0c\u5373\u662f\u6709\u771f\u6b63\u8cc7\u7522\u4f5c\u5f8c\u76fe\uff0c\u800c\u4e0d\u662f\u653f\u5e9c\u5047\u5927\u7a7a\u7684\u53e3\u6c34\u653f\u7b56\uff0c\u4eca\u5929\u7684\u9f90\u5927\u8ca1\u653f\u627f\u8afe\u7531\u4e0b\u4e00\u4ee3\uff08\u5c46\uff09 \u5c65\u884c\uff0c\u672a\u5fc5\u662f\u300c\u53ef\u6301\u7e8c\u300d\uff08sustainable\uff09\u3002<\/span><\/p>\n <\/p>\n OECD \u9996\u5e2d\u7d93\u7406\u5e2b\u5f37\u8abf\u5c0d\u61c9\u9577\u58fd\u98a8\u96aa\uff0c\u5e74\u91d1<\/a>\u662f\u4e3b\u529b\uff0c\u540c\u6642\u4ea6\u8981\u6709\u5145\u8db3\u7684\u4f9b\u6b3e\uff0c\u4f9b\u6b3e\u591a\u5be1\u7531\u300c\u66ff\u4ee3\u6536\u5165\u300dreplacement rate \u53ca\u6210\u529f\u7387\u800c\u5b9a\u3002\u898b\u4e0b\u8868\uff0c\u5982\u679c\u300c\u66ff\u4ee3\u6536\u5165\u300d\u662f60%\uff0c\u898b\u300a\u7a4d\u91d1\u5927\u53cd\u64ca\u300b\u7b2c14\u9801\uff0c\u4f9b\u6b3e\u662f10%\uff0c\u5373\u9999\u6e2f\u73fe\u6642\u7684\u5e73\u5747\u72c0\u6cc1\uff0c\u9000\u4f11\u91d1\u6210\u529f\u7387\uff08\u5373\u9000\u4f11\u91d1\u99db\u5514\u6652\u6a5f\u6703\u7387\uff09\u5927\u7d04\u70ba50%\u3002<\/span><\/p>\n <\/p>\n <\/p>\n