个人储蓄性养老保险

同时，鼓励建立企业年金和个人储蓄性养老保险。

In the meantime , encourage build enterprise annuity and individual deposit sex endowment insurance .

鼓励、支持企业和员工参加企业年金和个人储蓄性养老保险。

It shall encourage and support enterprises and their employees to buy the endowment insurance in the forms of enterprise annuities and personal savings .

多层次的养老保险体系包括：基本养老保险、企业补充养老保险和职工个人储蓄性养老保险。

The multiple level system of endowment insurance includes : Basic endowment insurance , enterprise supplementary endowment insurance with staff individual save endowment insurance .

第一部分是基本养老保险，第二部分是企业补充养老保险，第三部分是个人储蓄性养老保险。

The first part is primary endowment insurance , the2nd part is enterprise complement endowment insurance , the3rd part is individual deposit sex endowment insurance .

国家还鼓励开展个人储蓄性养老保险，多渠道加强老年人的生活保障。

The state also encourages the development of old-age insurance attached to personal savings deposits ; and guarantees the livelihood of elderly people through multiple channels .

目前世界上大多数国家已建立了基本养老保险、企业年金和个人储蓄性养老保险的三支柱养老保险体系。

At present , most countries have established the three support old-age insurance system composed by basic old-age insurance , enterprise pension and personal savings of old-age insurance .

我国政府在借鉴各国经验的基础上，建立由国家主办的基本养老保险、企业年金以及个人储蓄性养老保险三个支柱的养老保障体系。

On the basis of referring international experience , the Chinese government establishes the three-pillars social security system , the fundamental pension , occupational pension and individual savings and pension insurance .

在职工个人储蓄性养老保险方面，个人根据经济能力和不同需求自愿参加，国家在政策上予以引导，在储蓄利率上给予相应的优惠。

Is on the job work personal save endowment insurance aspect , individual attends voluntarily according to economic ability and different demand , country guides on policy , giving corresponding preference on save interest rate .

20世纪90年代以来，中国对养老制度进行改革，经过十几年的探索，中国已经建立起基本养老保险、企业补充养老保险（又称企业年金）和个人储蓄性养老保险三支柱的养老保险制度。

For more than a decade of exploration and reform , China has established three-pillar pension system model , which is basic pension , enterprise supplementary pension ( i.e. enterprise annuity ) and personal savings .

在财政困难和人口老龄化的压力下，许多国家建立了三支柱的养老保险制度，即以基本养老保险、企业年金和个人储蓄性养老保险为支柱的保险制度。

Under the pressure of finance and aging population , many countries reform their old endowment insurance system . The new system is composed of three parts : social primary pension , enterprise annuity and personal saving pension .

20世纪90年代，为应对人口老龄化危机以及世界各国日益严重的养老金资金来源短缺的问题，世界银行提出了由基本养老保险、企业年金、个人储蓄性养老保险共同组成的养老保险三支柱体系。

Throughout the 1990s , in response to the population aging crisis and world increasingly serious pension funds shortage , the World Bank proposed three kinds of endowment insurance : basic endowment insurance , occupational pension , individual deposit endowment insurance .

《国务院关于企业职工养老保险制度改革的决定》指出，随着经济的发展，逐步建立起基本养老保险与企业补充养老保险和职工个人储蓄性养老保险相结合的制度。

" State Department employees on business decisions of old-age insurance system reform , " pointed out that with economic development , and gradually establish a basic old-age insurance and enterprise supplementary pension insurance and employee personal savings of combining old-age insurance system .

三支柱分别指采取现收现付制的国家基本养老保险、采取个人账户的企业补充养老保险和个人储蓄性养老保险。

Nowadays , the three pillars are applied widely among western countries , which include the basic social security fund , the occupational pension fund and the individual saving accounts .