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李克强:确保商业养老保险“养命钱”安全可靠

2017-06-22 21:51:09   中国政府网

“商业养老保险资金和社保基金一样,都是老百姓的‘养命钱’、‘活命钱’,必须确保这些资金安全可靠运营。各保险机构务必守住这一底线。”李克强总理在6月21日的国务院常务会议上强调。

当天会议确定加快发展商业养老保险的措施,以完善社会保障体系,助力“老有所养”。

“‘养命钱’最重要的是‘安全第一’,这样老百姓才有意愿购买。运营这类资金,不能期望高回报。”总理明确要求,商业养老保险不能按照商业银行或开发性金融的操作方式,而是要遵循这个行业的商业化运作,实现保值和合理回报。

李克强说,发展商业养老保险要坚持以市场化原则为导向,不能通过垄断竞争“强买强卖”,或利用行政手段“拉郎配”、“乱摊派”。通过提供个性化和差异化的养老保障服务,吸引人民群众主动参保。

“对于我们这个拥有13多亿人口、每年新增城镇劳动力1500多万人的大国来说,就业的弹性和灵活性越来越大,就业的新模式也越来越多,这已成为一种趋势。与之相伴生的则是人口老龄化问题日益突出。统计显示,我国60岁以上老人已超过2亿。”总理说,“要从根本上适应人口老龄化和就业形态新变化,满足人民群众日益增长的养老保障需求,必须进一步完善社会养老保障体系,而商业养老保险是其中的重要组成部分。”

总理会上提出明确要求,各部门要加大政策扶持力度,落实好国家支持保险和养老服务业发展的相关财税政策,加快个人税收递延型商业养老保险试点,支持商业养老保险机构有序参与基本养老保险基金投资管理,为商业养老保险资金参与国家重大项目和民生工程等建设提供绿色通道和优先支持。加大监管力度,督促保险机构提高服务质量,维护消费者合法权益,切实防控风险。

“大家要认识到,这事关乎就业养老等民生大事,关乎中华民族的发展未来,各部门要相互支持、通力合作,支持商业养老保险事业加快发展。”李克强最后说。(王小涵)

责任编辑:李皓 CN002
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