什么是企业年金很多人对这个问题比较感兴趣，下面让我们一起来看浼涓骞撮涔，希望可以帮助到你。
浼?涓?骞撮?????涔?
浼?涓?骞撮??????浼?涓????惰??宸ュ?ㄤ?娉??????烘???昏??淇??╃???虹?涓?锛????垮缓绔???琛ュ???昏??淇??╁?跺害锛??卞?烘???昏??淇??┿??浼?涓?骞撮????涓?汉?ㄨ???у?昏??淇??╀?涓??ㄥ??缁?????浼?涓?骞撮??????藉??烘???昏??淇??╃????瑕?琛ュ??锛?涔???腑?藉?????????宸ュ?昏??淇??╀?绯荤????绗?????扁????
缂寸撼骞撮????浼??瑰?ㄤ?锛?
(1)绠?渚跨?垫椿锛???涓讳??挎??灏??ユ??渚?纭???伴????昏????涔??★???????棰???娴?绠????昏?????伴?瑙?瀹?涓?瀹???缂磋垂??锛?涔?涓??挎??绮剧???璐ｄ换锛?杩?椤瑰伐浣???互?变汉瀵夸??╁???告?挎??锛?
(2)?昏????璁″?ヤ釜浜鸿处?凤?瀵归??????寰?寮虹???稿???锛?涓??﹀???????ㄩ??浼???缁?姝㈠?昏????璁″???讹???互瀵瑰?惰处?蜂?棰?澶?缃??锋??骞挎????╂??锛?
(3)???????浼?涓?骞撮??涓?蹇??????昏????璁″??缁?姝㈢????淇??╋?濡??????????伴??澶х?娴??伴?炬?讹???互???剁?姝㈠?昏????璁″??锛?骞朵??挎??浠讳?璐ｄ换??
缂寸撼骞撮??涔????惰??韩??缂洪?凤?
锛?1锛???????浼??剁???昏???????充??朵釜浜鸿处?蜂腑???昏?????伴?锛??????昏????璁″????涓???骞撮?????????浼???寰??扮???昏????姘村钩?稿樊姣?杈?澶э?
锛?2锛?涓?汉璐︽?蜂腑???昏????????璧????????璐ц?ㄨ????褰卞??姣?杈?澶э??ㄦ??缁???璐ц?ㄨ??锛???璧??剁??涓?浣崇?????典?锛??昏?????句互淇??煎??硷?
锛?3锛?缂寸撼骞撮??榧??遍?????ㄩ??浼??朵?娆℃?ч????昏????锛?缁?姝㈠?昏??淇??╁?崇郴锛?浣???涓轰?娆￠????伴?姣?杈?澶э???浼???寰?寰?涓?寰?涓?蹇???杈?楂?????寰?绋???锛?姝ゅ?锛?缂寸撼骞撮?????昏????涓?绀句?淇???璁″?????昏????瀹??ㄨ?遍?╋?瀹规???虹?颁???浜哄?????昏?????夸唬????楂?????浣???
浠?涔????涓?骞撮??
浼?涓?骞撮?????绉?琛ュ???у?昏?????跺害锛?????浼?涓????惰??宸ュ?ㄤ?娉??????烘???昏??淇??╃???虹?涓?锛????垮缓绔???琛ュ???昏??淇??╁?跺害??
浼?涓?骞撮??????藉??烘???昏??淇??╃????瑕?琛ュ??锛??????芥??ㄥ???????????宸ュ?昏??淇??╀?绯伙??卞?烘???昏??淇??┿??浼?涓?骞撮????涓?汉?ㄨ???у?昏??淇??╀?涓??ㄥ??缁???锛?????绗?????扁????
?ㄥ?琛??颁唬绀句?淇??╁?跺害???藉?涓??浼?涓?骞撮??宸茬???涓轰?绉?杈?涓烘????瀹?琛???浼?涓?琛ュ???昏????璁″??锛???绉颁负"浼?涓???浼???璁″??"??"??涓??昏????璁″??"锛?骞朵???涓烘???ㄥ?藉?昏??淇??╁?跺害????瑕?缁????ㄥ????
?╁?璧???
浼?涓?骞撮??涓?浠????冲?ㄨ????浼???娲讳???????瑕?琛ュ??褰㈠?锛?涔????涓?璋??ㄨ??宸ョН???э??稿?楂?绱?璐ㄤ汉??锛?绋冲???宸ラ??浼?锛?澧?寮轰?涓?绔?浜???????????????瑕???娈点??瀹???涓昏?浣??ㄥ?????借?冲???互姒???负涓?涓??归???
1??????????/p>
浼?涓?骞撮???㈠?锋???芥??跺?ュ??娆″?????ц川锛?涔??锋???芥??跺?ュ???????ц川????姝わ?浼?涓?骞撮??褰㈠???琛ュ???昏????璁″????琚??涓哄???宸ョ??涓?绉?寤惰??????宸ヨ??跺?ュ??????
2??婵??卞????/p>
浼?涓?骞撮??璁″???规???涓??????╁????宸ョ??缁╂??涓鸿??宸ュ勾??涓?汉甯??蜂?娆撅?瀵逛?浼?涓??稿?楂?绱?璐ㄤ汉??锛?绋冲???宸ラ??浼?锛?淇?????宸ュ?╃????
??澶ч??搴﹀?拌??ㄨ??宸ョ???冲?ㄧН???у????????锛???楂???宸ヤ负浼?涓????＄????豹????璐ｄ换??锛?浠???澧?寮轰?涓???????????甯??虹?浜???锛??峰????澶х?娴?????锛??????绉?绉?????????????娈点??
3??淇???????/p>
寤虹?浼?涓?骞撮????互?ㄧ?稿?绋?搴︿???楂???宸ラ??浼??????昏????寰???姘村钩锛?瑙ｅ?崇?变??烘???昏?????夸唬????骞翠?????????????宸ラ??浼???????杈?澶ф?跺?ュ樊璺?锛?寮ヨˉ?烘???昏????淇???姘村钩??涓?瓒筹?婊¤冻??浼?浜哄??浜???杈?楂???娲昏川????瀹㈣???姹?锛????ュ?惰ˉ????淇?????浣??ㄣ??
????璧????ユ?锛??惧害?剧?????浼?涓?骞撮??
浼?涓?骞撮?????涔?锛?
浼?涓?骞撮???????涓?缂磋垂姣?骞翠?瓒?杩????涓???宸ュ伐璧??婚???8%,浼?涓?????宸ヤ釜浜虹即璐瑰??璁′?瓒?杩????涓???宸ュ伐璧??婚???12%,?蜂?????璐圭???变?涓?????宸ヤ??瑰????纭????
娉?寰?????锛?1.濡?????宸ュ??涓烘??澶?浜???瀵艰?存??炬????澶卞?诲?冲?ㄨ?藉??锛?浼?涓?骞撮??浼???20骞达?浠?纭????宸ヤ激???剧????褰?澶╁?濮?璁＄?锛?2.褰???宸ョ??宀??版弧瓒冲?????ㄥ?锛?姣?澶?涓?宀?锛?骞撮?????剧???堕?村氨浼???灏?涓?骞达?3.褰???宸ョ??宀??板ぇ浜?75?ㄥ?锛?浼?涓?骞撮??浼????句?骞淬??浠ヤ?灏辨???涓?骞撮??涓??????剧???堕?淬??
娉?寰?渚??????浼?涓?骞撮????娉???
绗???浜?? 浼?涓?缂磋垂姣?骞翠?瓒?杩????涓???宸ュ伐璧??婚???8%??浼?涓?????宸ヤ釜浜虹即璐瑰??璁′?瓒?杩????涓???宸ュ伐璧??婚???12%???蜂?????璐圭????变?涓?????宸ヤ??瑰????纭??????宸ヤ釜浜虹即璐圭?变?涓?浠???宸ヤ釜浜哄伐璧?涓?唬?ｄ唬缂淬??
绗??????? 绗﹀??涓????′欢涔?涓???锛???互棰???浼?涓?骞撮??锛?锛?涓?锛???宸ュ?ㄨ揪?板?藉?瑙?瀹?????浼?骞撮?????瀹??ㄤ抚澶卞?冲?ㄨ?藉???讹???互浠???汉浼?涓?骞撮??涓?汉璐︽?蜂腑????????娆℃????涓?娆℃?ч???浼?涓?骞撮??锛?涔???互灏???汉浼?涓?骞撮??涓?汉璐︽?疯????ㄩ?ㄦ?????ㄥ??璐?拱??涓??昏??淇??╀骇??锛?渚?????╁????棰???寰???骞朵韩???稿???缁ф?挎??锛?锛?浜?锛??哄?斤?澧?锛?瀹?灞?浜哄????浼?涓?骞撮??涓?汉璐︽?疯???锛???互?规????汉瑕?姹?涓?娆℃?ф???缁???汉锛?锛?涓?锛???宸ユ??????浼?浜哄??姝讳骸??锛??朵?涓?骞撮??涓?汉璐︽?蜂?棰???互缁ф?裤??
浼?涓?骞撮?????涔?
浼?涓?骞撮??????锛?寤虹??烘???昏??淇??╃???虹?涓???锛?涓?绉??藉?榧??变?涓???富寤虹???琛ュ???昏??淇??╁?跺害??浼?涓?骞撮????璐圭?ㄦ???变?涓?????宸ヤ釜浜哄?卞??缂寸撼锛?骞朵?瀹?琛???????ㄧН绱?????璧?杩??ョ??绠＄????娉???
??娉?寰?渚?????
??浼?涓?骞撮????娉???绗????br>????娉???绉颁?涓?骞撮??锛?????浼?涓????惰??宸ュ?ㄤ?娉??????烘???昏??淇??╃???虹?涓?锛???富寤虹???琛ュ???昏??淇??╁?跺害???藉?榧??变?涓?寤虹?浼?涓?骞撮????寤虹?浼?涓?骞撮??锛?搴?褰????ф????娉??ц???
绗????br>浼?涓?骞撮??????璐圭?ㄧ?变?涓?????宸ヤ釜浜哄?卞??缂寸撼??浼?涓?骞撮???洪??瀹?琛?瀹??ㄧН绱??涓烘?涓?????浼?涓?骞撮??????宸ュ缓绔?涓?汉璐︽?凤????у?藉????宠?瀹???璧?杩??ャ??浼?涓?骞撮???洪????璧?杩??ユ?剁??骞跺?ヤ?涓?骞撮???洪????