日前，人力资源社会保障部、财政部、国家税务总局、银保监会、证监会联合发布《个人养老金实施办法》（以下简称《办法》），对个人养老金参加流程、资金账户管理、机构与产品管理、信息披露、监督管理等方面做出具体规定。下面来看一下个人养老金制度相关双语新闻。

China rolled out a pension plan on Thursday to complement the nation's pension in its latest 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 pension accounts to closed-end management, to guidelines released by the Council. The cap 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 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 will tax incentives to 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。