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The Promise of a Better Tomorrow: China's Pension System

Pension reform in China has been high on the government's agenda for many years. Issues such as providing for an aging population and generating the institutional capital that can be reinvested in the economy will be discussed in this feature.

Issue: September 2004

Keywords (click to search): pension pension funds National Social Security Fund SSF investment sentiment investment environment capital markets China's pension system Ministry of Civil Affairs

By Ying White, World Bank, Washington DC

In developed countries, both public and private sector pension funds are major participants in the capital markets. In the US, for example, pension assets stood at $12 trillion by year-end 2003, and accounted for 20% of stock market capitalization.1 In Japan, the combined assets of public pension reserves and employee pension insurance programmes totalled 170 trillion yen by March 2003.2 In the last few years, pension assets have accounted for over 100% of GDP in the US and around 34% in Japan.

By contrast, as of year-end 2003 China's National Social Security Fund (SSF) had only Rmb132.5 billion in assets, which is equivalent to slightly more than 1% of the country's GDP. Corporate enterprise pension funds had Rmb26 billion in assets by year-end 2002 (equivalent to 0.3% of GDP). These paltry figures come in spite of the fact that in 2000,...

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