pension 

3878
高中CET4CET6考研GREIELTS
单词释义
n.退休金,养老金,抚恤金
v.发给…养老金(退休金)
n.(欧洲,尤指法国的)廉价小旅店
词根词缀记忆/谐音联想记忆 补充/纠错
词根pens 花费 + ion 表物 → 用以〔老了〕花 …………
其他怎么记补充/纠错
谐音记忆pen-sion “陪”“剩”
陪我度过剩下的日子的是——养老金、抚恤金 …………
词性拓展记忆 / 词形拓展记忆
原形:pension第三人称单数:pensions复数:pensions过去式:pensioned现在分词:pensioning
词根记忆 / 词缀记忆
pension n 年金,养老金(pens+ion=用心花费的)
pend,pens, pond= weight, expend, 表示”称重量,称银子”,引申为”花费”
expend v 花费(ex出+pend=花钱出去)
expenditure  …………
词组和短语补充/纠错
old-age pension 老年退休金
a central adjustment system for basic pension funds 基本养老金中央调剂制度
retirement pension 退休养老金
pension insurance 养老金保险
pension plan 养老金计划
pension system 养老金制度
pension fund 养老金
to invest money from pension funds into the country's capital markets 将养老基金的资金投资到国家的资本市场
occupational pension 职业养老金
pension scheme 养老金计划
get their pension 领取养老金
army pension 军队养老金
generous pension and health care plans 慷慨的养老金和医疗保健计划
live on a pension 靠养老金生活
draw one's pension 领取养老金
salary pension scheme 薪金养老金计划
dual pension scheme 双重养老金计划
individual pension account 个人养老金账户
flexible pension system 弹性养老金制度
an integrated pension system 综合养老金制度
dual pension schemes 双重养老金计划
单词例句
Eric gets a disability pension from the government.
埃里克得到了政府的伤残抚恤金。
Tom retired on a company pension.
汤姆退休时得到公司的退休金。
He started saving for his pension as soon as he began working.
他一工作就开始为退休金储蓄。
The company offers a generous pension scheme to its employees.
公司为员工提供慷慨的退休金计划。
She receives a state pension in addition to her private pension.
她除了私人退休金外,还领取国家退休金。
The government plans to raise the pension age to 67.
政府计划将退休年龄提高到67岁。
He has a defined benefit pension plan, which guarantees a certain income in retirement.
他有一个确定收益的退休金计划,保证退休后有固定的收入。
Her pension is indexed to inflation, so it will keep up with the cost of living.
她的退休金与通胀挂钩,因此能跟上生活成本。
John has been contributing to his pension fund for over 30 years.
约翰已经向他的养老金基金缴纳了30多年。
After retiring, she lived off her pension and some savings.
退休后,她靠退休金和一些积蓄生活。
The company's pension policy allows for early retirement under certain circumstances.
在某些情况下,公司的退休政策允许提前退休。
They are lobbying for better pension rights for part-time workers.
他们正在游说改善兼职员工的退休权益。
The New York-based financial services conglomerate sees long-term opportunities in China's asset management industry, which is built on the country's high levels of wealth creation, growing demand for financial advice and the launch of the private pension scheme in late 2022, said Gokul Laroia, CEO of Morgan Stanley Asia.
摩根士丹利亚洲首席执行官Gokul Laroia表示,这家总部位于纽约的金融服务集团看到了中国资产管理行业的长期机遇,该行业建立在中国高水平的财富创造、不断增长的金融咨询需求以及2022年底推出的私人养老金计划的基础上。
Pension and wealth management will be part of Fidelity's development focuses in China, said Helen Huang, the company's general manager for China unit.
富达中国区总经理Helen Huang表示,养老金和财富管理将是富达在中国发展重点的一部分。
China's emerging private pension industry and high-standard opening-up agenda have brought strategic growth opportunities for Bank of Communications Schroder Fund Management Co Ltd, head of the joint-venture fund manager said.
该合资基金管理公司负责人表示,中国新兴的私人养老金行业和高标准的开放议程为交通银行施罗德基金管理有限公司带来了战略增长机会。
According to market tracker Wind Info, the asset value of pension target FOFs issued by BOCOM Schroders has reached 16.7 billion yuan ($2.3 billion) as of the end of September, ranking the first among fund managers in the country.
根据市场跟踪机构Wind Info的数据,截至9月底,交银施罗德发行的养老金目标FOF的资产价值已达167亿元人民币(23亿美元),在全国基金经理中排名第一。
China launched the private pension scheme this year, which allowed individuals to buy eligible mutual funds, savings deposits and insurance products through their pension accounts and enjoy tax and fee incentives.
中国今年推出了私人养老金计划,允许个人通过养老金账户购买符合条件的共同基金、储蓄存款和保险产品,并享受税收和费用优惠。
In November, the China Securities Regulatory Commission released the list of qualified mutual funds that investors can invest in via their pension accounts, coupled with relevant regulations.
11月,中国证监会发布了投资者可以通过养老金账户投资的合格共同基金名单,以及相关规定。
The list, to be updated quarterly, contains 129 fund products and includes both of the two pension target funds that BOCOM Schroders issued.
该榜单将按季度更新,包含129只基金产品,包括交银施罗德发行的两只养老目标基金。
Having continuously increased investment in pension fund management in recent years, BOCOM Schroders will further enrich its system of pension target fund products and properly perform relevant investment management responsibilities, Ruan said.
阮表示,近年来交行施罗德不断加大对养老基金管理的投入,将进一步丰富其养老目标基金产品体系,妥善履行相关投资管理职责。
This in turn contributes to public and private sector pension funds.
"Ermotti also pointed out that growing pension and life insurance assets can create a virtuous and positive circle, in which institutional assets add fund supplies to local stock and bond markets, promote market depth, help modernize market infrastructure and support best-practice financial regulations.
Move aims to have more market entities join in building third pillar of the systemChina plans to set up a new pension insurance company to further promote the development of its third-pillar pension market and encourage more market entities-including banks-to participate experts said.
The third pillar of China's three-pillar pension system consists of personal savings-funded endowment insurance as well as commercial endowment insurance.
It is still underdeveloped and only takes 6 percent of the country's total pension insurance funds-even if the percentage is calculated based on the broadest definition of the third pillar, Guo Jinlong, a research fellow with the Institute of Finance and Banking at the Chinese Academy of Social Sciences, said in an article published by the Beijing-based newspaper Financial News earlier this year.
With a registered capital of 11.15 billion yuan ($1.72 billion), the to-be-formed pension insurance company in Beijing has 17 initiators among which 10 banks' wealth management subsidiaries take a total stake of 66.81 percent, according to the Insurance Association of China.
The pension insurance company is still awaiting regulatory approval.
Once the company is set up, the wealth management subsidiaries of commercial banks holding its shares will be allowed to design wealth management products that also function to protect clients against certain risks, including the loss of income due to retirement, rather than simply selling pension insurance products offered by the insurers that signed sales commission contracts with the banks' head offices or branches, Wang said.
"China began a pilot program of individual income tax-deferred commercial endowment insurance, which is part of the third pillar of pension insurance, in Shanghai, Fujian province, and Suzhou Industrial Park in Jiangsu province in May 2018.
"The announcement of a plan to establish a new pension insurance company, whose shareholders are mainly wealth management subsidiaries of banks, shows that the government looks forward to expanding the scope of participants in the third-pillar pension market," said Wei Chenyang, director of the China Insurance and Pension Research Center at Tsinghua National Institute of Financial Research.
He noted that a tremendous number of bank clients have short-term deposits, and that authorities are looking to guide short-term personal savings into the third-pillar pension market in the country.
"The market expects that supporting policies including tax incentives will be launched later this year to encourage the transition of demand deposits-bank deposits that can be withdrawn without advance notice-into third-pillar pension assets," he said.
Yang Zeyun, a finance lecturer at Beijing Union University, said the plan to establish a new pension insurance company comes out when China is facing a major challenge of growing old before it gets rich.
Given the circumstances, China should build its third-pillar pension market into a market shared by various types of financial institutions, including insurers, banks, trust companies and fund management companies, Yang said.
This also points to more opportunities for insurance companies as pressure on pension funds will mount, resulting in increasing need for commercial life insurance, Zhang said.
In addition to the support of existing limited partners of the US dollar Fund I, the new fund was raised from institutional investors, including top endowment funds, pension funds, fund of funds, insurance funds, family offices and other institutional investors from North America, Europe, and Pan-Asian regions.
The number of changes that the Chinese government is enacting in areas such as health insurance, pension and annuities is on Allianz's radar, he said.
He quickly signed long-term labor deals, worked on a pension deficit and boosted slowing sales in the company's defense division.
In addition to participating in the first and second China International Import Expos, we also proposed a business concept of "Care Unbounded, Amused in Mind and Body", showing Panasonic's focus on social issues in China, and will achieve brand upgrading in the field of electrical appliances in the future, and provide a healthy pension solution for China's aging society.
As a major insurance group in China, Taikang's exiting business covers insurance, hospital, pension and elderly care communities, which put the company in a competitive position to serve its customers.
The equities of Anbang Life Insurance, Anbang Pension Insurance and Anbang Asset Management Co will be transferred to Dajia Insurance Group.
The group that takes over Anbang will push ahead with Daijia's participation in the restructuring of Anbang to provide health insurance, pension insurance and asset management services to the public.
Taking new steps to further open up China's financial sectors, the China Banking and Insurance Regulatory Commission approved the establishment of the first foreign-funded pension insurance company in the country on Wednesday.
For example, clients can pay 10 yuan ($1.44) to buy its pension annuity insurance product, or 19.9 yuan to buy one-year of public transportation safety insurance.
China Jianyin Investment Ltd, or JIC, an investment group focused on equity, will develop pension finance and pension service systems, aiming to improve the environment of the pension investment industry according to the company's top management.
"With people's growing reliance on the third pillar of the pension system, individual pension investment will become a crucial process for personal wealth management," said Zhou Xiangyong, managing director of Guotai Asset Management, a key member of JIC.
"As a result, the company will make strategic and long-term plans on the pension investment business.
"As a key component of the individual pension system, public funds will play a more important role in the pension investment market, Zhou said.
"By the end of the second quarter of 2018, the company was managing 99 public funds, 3 pension products and 90 asset portfolios, offering a full range of asset management products to cover clients with different demands, the company's statement said.
especially smart cities, covering government, security, environmental protection, education and pension," Chan said.
Whitbread said it will reduce debt and contribute to the pension fund with the proceeds from the deal and further expand its hotel chain Premier Inn in the UK and Germany.
Tech firm's wealth management channel soon to offer target-date retirement fundsAnt Financial Services Group has invited some younger residents to address their pension options through its wealth management service, just one week after the country's target-date retirement funds received the green light from securities regulators.
The financial technology giant announced on Tuesday that the first batch of target pension funds offered by 14 asset managers will become available through Ant Fortune, Ant Financial's wealth management channel, as people look for diversified savings options beyond the unified national pension system.
China offers consumers three ways to save for retirement - the national pension system, voluntary occupational pensions, in the form of annuities and covering only a minority of the population, and private savings, said Fang Lianquan, a researcher at the Center for International Social Security Studies of the Chinese Academy of Social Sciences.
According to Fang, target pension funds usually allocate a pool of investments to varying degrees of risk based on when an investor is expected to retire and cash out, such as 2030 or 2050.
The target clients for the onshore investment product will include public and corporate pension funds, university endowments and charitable foundations.
Leading global investment management organization Canada Pension Plan Investment Board and Longfor Group Holdings Ltd announced on Thursday the launch of a new investment platform that will focus on rental housing programs in China, with an initial investment totaling $817 million.
The government also wants the final salary pension scheme for employees on the West Coast main line to revert to the winner of the bid.
Gemdale Group, one of the country's largest real estate operators and developers, will enter education, sports, healthcare and pension sectors while maintaining its core business of residential property, said the company's top management on Saturday.
"She said the company hopes to participate in China's pension reform, based on its rich experience in offering retirement products in other markets including the United States and the UK, depending on the progress of relaxation of regulatory restrictions on foreign investments in this sector.
So far, CPIC Group has a wide of range of licenses including life insurance, property and casualty insurance, pension, health insurance, agriculture insurance and asset management.
Among all types of business, the company will focus on protection-oriented products and is optimistic about the prospects of its health insurance and pension business.
"We believe that China's insurance sector can maintain double-digit growth in the coming decade, with health insurance and pension in huge demand.
We are optimistic about energy-saving emission reduction, pollution control, health and the pension industry.
We are also hoping to join China's pension reform.
On-demand services firm plans more AI, unmanned delivery investmentsThe round was led by Tencent Holdings Ltd, and includes new investor the Priceline Group and other key investors including Sequoia Capital, GIC of Singapore, Canada Pension Plan Investment Board, Trustbridge Partners, Tiger Global Management, Coatue Management and China-UAE Investment Cooperation Fund, the company said in a statement.
Meanwhile, the People's Insurance Company (Group) of China, China's major insurer, announced On Oct 11 that its proposed subsidiary PICC Pension Company Limited (PICC Pension) has been granted approval to commence operation from the China Insurance Regulatory Commission.
The registered capital of PICC Pension will be 4 billion yuan, with its place of registration in Xiongan New Area and its place of operation in Beijing city, an announcement on PICC's website said.
The winners are AIA China, Baxter (China) Investment, Becton Dickinson Medical Devices, CIFI Group, HNA Holding Group, Infinitus, McDonald's China, MSD China, Novartis Group China, Shanghai Disney Resort, Starbucks China, Taikang Pension & Insurance, The Ritz-Carlton Hotels China, and Wanhua Chemical Group.
Principal Financial Group, the Iowa-based pension, insurance and asset management service provider, hopes to become a shareholder in China's pension business after gaining 12 years of experience in asset management in the country, said its senior executives.
Renee Schaaf, the group's senior vice-president, said that China's pension potential is enormous.
"China has one of the fastest aging populations in the world, and this will put pressure on the government-run pension system," she said.
Both CCB and Principal signed a strategic cooperation agreement to expand the relationship to other areas of asset management, pension development and the joint development of overseas market opportunities in 2016.
In December 2015, SPIC purchased Pacific Hydro for $2.5 billion from Australia's largest pension fund investor IFM Investors.
Logistics properties have become increasingly attractive to sovereign wealth and pension funds after the growth of internet shopping boosted demand from occupiers.
Charles Lin, managing director of Vanguard's China unit, said the firm believes that China's retail investment market will be a significant growth driver, given the fast-growing demand for retirement plans and pension funds.
Fidea has also calibrated its products and focused specifically on pension offers.
First, China should promote further opening-up in more financial subsectors, including technology finance, green finance, inclusive finance, pension finance and digital finance.
Promoting pension finance can be an effective way for China to cope with its rapidly aging population.
With help from foreign investors, the country can better make plans for, and invest in, pension finance, as well as improve the pension insurance system.
China is stepping up its efforts to optimize the pension services and product supplies to the elderly, a move to deal with the aging challenges and let the elderly enjoy the results of social and economic development.
"In the financial sector, Peter Ling-Vannerus, chief representative of SEB Beijing, said opportunities are abundant for European banks in the Chinese market regarding asset and pension management as well as transition finance.
Here, efforts to strengthen the pension system, offer more educational opportunities, and improvements in healthcare services should all help to raise demand growth over time by reducing incentives for excess saving among households.
The country launched enterprise annuities in 2004 as a type of supplementary pension plan under which both employers and employees must contribute.
Currently, China has achieved near-universal coverage of the pension fund program and basic health insurance for one-fifth of the global population, which Guan said is a great achievement for a developing country.
On the other hand, with the fast development of e-commerce and platform companies, many flexible workers in urban areas do not participate in the pension fund program.
At the same time, as awareness for the need to save for retirement grows in China, providing new investment options for pension pools are proving a growth area for mutual funds.
Policymakers unveiled a new private pension scheme last year to offer supplementary retirement funding options for the aging population, alongside traditional pension programs from the government or offered by companies.
We believe the new private or individual pension savings plans will prompt continuous innovation in asset management products.
Foreign asset managers seeking to align with these efforts can leverage their experience and best practices from overseas, including in pension product offerings, sustainable investment practices and outbound investment strategies.
In November, the country officially rolled out a private pension program, opening up a lucrative new market for global banks and financial institutions.
"We are very optimistic about the scale of the capital inflow into the private pension market," said Helen Huang, managing director of Fidelity International China.
Income transfer can be carried out in the following ways: transfer payments are targeted to low-income groups, such as increasing income subsidies for low-income groups to ensure they do not revert back into poverty, improve the efficacy of social security, such as using fiscal funds to increase pension support, promoting the reform of education and medical systems to reduce financial burdens and issue more consumption vouchers.
China needs to speed up innovation of financial products provided under its private pension program to meet multilayered and diversified retirement planning needs of its rapidly aging population, industry experts said.
The country recently announced the launch of its private pension program in 36 pioneering cities and areas, including Beijing, Tianjin and Shanghai.
Many of the 23 commercial lenders and 11 wealth management companies that received a regulatory nod to participate in the program, including China Construction Bank and China CITIC Bank, officially started offering private pension services on Friday.
Some insurance companies such as PICC Life Insurance Co and Guomin Pension & Insurance Co sold their first private pension products on the same day.
Qualified financial institutions must further develop special products through innovation to meet the needs of retirement planning," said Dong Ximiao, chief researcher at Merchants Union Consumer Finance Co. Workers who participate in basic pension insurance for urban employees or the basic pension insurance for urban and rural residents, can take part in China's private pension program.
Individuals can make voluntary contributions by setting up a personal pension account and can enjoy tax benefits.
After setting up an account, participants can use their pension contributions to purchase financial products that meet regulatory requirements from eligible financial institutions.
The products include commercial banks' wealth management products, deposits, commercial pension insurance and public funds.
To encourage more people to participate in the program, the government could consider appropriately adjusting the limit on yearly contributions to personal pension accounts and offer stronger tax incentives, Dong said.
Improving investment returns is the key to the development of the private pension market whose long-term growth depends on the design of such financial products, said Zheng Bingwen, director of the Center for International Social Security Studies at the Chinese Academy of Social Sciences.
The return on investment on a risk-adjusted basis is a critical factor in the sustainability of the overall pension system.
People's motivation to participate in the private pension program will be significantly reduced without an appropriate level of expected returns, said Andreas Wimmer, member of the board of management of Allianz SE, at the Annual Conference of Financial Street Forum 2022 last week.
Huang Tao, general manager of Guomin Pension & Insurance Co, urged regulators to make breakthroughs in regulations on the use of pensions so that financial institutions can make better liquidity arrangements, thus improving returns on investment, reducing the cost of investments and increasing investment efficiency.
The size of China's private pension market may reach 3.5 trillion yuan in 10 years, said Fan Hua, head of BlackRock CCB Wealth Management.
"We expect to see relatively steady development of China's private pension market, which will hopefully seize a window of opportunities for long-term rapid growth," Fan said at the forum.
China officially announced the implementation of a new private pension scheme on Friday, a supplement to the nation's social security system.
Workers at Chinese companies covered by the State-level pension system can now open private pension accounts voluntarily.
So far, 23 banks and 11 financial institutes, including the Bank of China and the Industrial and Commercial Bank of China, as well as several insurance companies and funds operators have been given permission by the central government to help individuals open and manage their private pension accounts.
As China has unveiled the framework of a personal pension scheme to complement its current pension system, the China Banking and Insurance Regulatory Commission started soliciting opinions on Friday on interim measures for the administration of the personal pension business of commercial banks and wealth management companies.
考试真题例句(机器翻译仅供参考)
全部
六级
高考
四级

六级Governments in rich countries now accept that their pension and health-care promises will soon become unaffordable, and many of them have embarked on reforms, but so far only timidly.

富裕国家的政府现在承认,他们的养老金和医疗保障承诺很快将变得难以负担,其中许多国家已经开始了改革,但迄今为止只是小心翼翼。

2010年12月阅读原文

六级One reason why pension and health care reforms are slow in coming is that politicians are afraid of losing votes in the next election.

养老金和医疗改革进展缓慢的一个原因是政客们害怕在下次选举中失去选票。

2010年12月阅读原文

六级They argue that governments should persuade us into making better decisions - such as saving more in our pension plans - by changing the default options.

他们认为,政府应该通过改变默认选项来说服我们做出更好的决策——比如在养老金计划中增加储蓄。

2015年12月阅读原文

六级In a report entitled "Averting the Old Age Crisis", it argued that pension arrangements in most countries were unsustainable.

在一份题为“避免老年危机”的报告中,它认为大多数国家的养老金安排是不可持续的。

2010年12月阅读原文

六级In its 1994 report, the World Bank argued that the current pension system in most countries could not be sustained in the long term

世界银行在其1994年的报告中指出,大多数国家目前的养老金制度无法长期维持

2010年12月阅读原文

六级They argue that governments should persuade us into making better decisions — such as saving more in our pension plans — by changing the default options.

他们认为,政府应该通过改变默认选项来说服我们做出更好的决策——比如在养老金计划中增加储蓄。

2015年12月六级真题(第二套)阅读 Section B

高考At long last, in a comfortable home, with a generous pension, he should learn to take things easy.

终于,在一个舒适的家里,有了丰厚的养老金,他应该学会从容面对。

2015年高考英语天津卷 阅读表达 原文

六级The author believes the most effective method to solve the pension crisis is to allow people to work longer

作者认为,解决养老金危机最有效的方法是让人们工作更长时间

2010年12月阅读原文

六级By far the most effective method to restrain pension spending is to give people the opportunity to work longer, because it increases tax revenues and reduces spending on pensions at the same time.

到目前为止,抑制养老金支出的最有效方法是让人们有机会工作更长时间,因为这可以增加税收收入,同时减少养老金支出。

2010年12月阅读原文

六级In a report entitled “Averting the Old Age Crisis”, it argued that pension arrangements in most countries were unsustainable.

在一份题为“避免老年危机”的报告中,它认为大多数国家的养老金安排是不可持续的。

2010年12月英语六级真题

六级And there is, to date, only the flimsiest (脆弱的) of publicly-funded health care and pension systems, which increases incentives for individuals to save while they are working.

到目前为止,只有最脆弱的(脆弱的) 公共资助的医疗保健和养老金系统,这增加了个人在工作时储蓄的激励。

2012年12月英语六级真题

四级Rising life expectancy(预期寿命), combined with the replacement of generous defined-benefit pension plans with less generous defined-contribution ones, means that even the better-off must work longer to have a comfortable retirement.

预期寿命不断延长(预期寿命), 再加上用不太慷慨的固定缴款计划取代慷慨的固定收益养老金计划,这意味着即使是富裕的人也必须工作更长的时间才能享受舒适的退休生活。

2015年6月大学英语四级考试真题(第1套)

四级Understandably, there are concerns about what this means for public finances given the associated health and pension challenges.

可以理解的是,考虑到相关的健康和养老金挑战,人们担心这对公共财政意味着什么。

2019年6月大学英语四级真题(第1套)

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