个人养老金制度正式出炉

China rolled out a private pension plan on Thursday to complement the nation's current pension system in its latest effort to tackle the strains of an aging population.

《国务院办公厅关于推动个人养老金发展的意见》4月21日公布。随着人口老龄化的加剧，推动个人养老金发展，是对基本养老保险的有效补充。

The plan allows Chinese citizens to contribute up to 12,000 yuan annually to individual pension accounts subject to closed-end management, according to guidelines released by the State Council. The cap would be adjusted according to social and economic development as well as how the country's pension system evolves.
意见规定，个人养老金实行个人账户制度，实行封闭运行，每年缴纳个人养老金的上限为12000元，未来还会根据经济社会发展水平和多层次、多支柱养老保险体系发展情况等因素适时调整缴费上限。

Funds in the accounts can be used to purchase financial products of relatively lower risk and a longer-term investment horizon, according to the guidelines.
意见规定，个人养老金资金账户资金可用于购买风险相对较低、投资期限较长的金融产品。

The government will offer tax incentives to encourage participation in the new system.
国家制定税收优惠政策，鼓励符合条件的人员参加个人养老金制度。