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请比较给付确定模式(Defined Benefit)和缴费确定模式(Defined Contribution)这两种养老保险缴费模式的异同。[首都经济贸易大学2013年研] 相关知识点: 试题来源: 解析 答案: 给付确定模式,是先设定养老保险金为保障一定的生活水平需要达到的替代率,以此确定养老保险金的给付标准,再结合相关影响因素进行测算,来确定养老保...
DB(Defined Benefit)给付确定制(又称受益基准型、待遇确定型、固定收益计划等),指雇员未来领取的养老金的待遇标准是事前已经确定的,给付标准由政府承诺,确保被保人的基本生活,采用现收现付方式筹集资金,体现代际供养,互济性强。 DC(Defi...
potential savings the employer may have realized from shifting to a DC plan. 2. By only providing a retirement benefit which is totally portable (such as a 401(k) or 457 plan) government and education run the risk that highly-trained ...
Schwab's personal defined benefit plan helps self-employed and small business owners save aggressively for retirement by allowing you to make very high contributions. Just target a desired level of retirement income, and contribution amounts are adjusted each year to help you reach your goal. ...
Defined benefit (DB) methodDefined contribution (DC) methodDini reform transformationMonte Carlo methodNotional defined contribution (NDCPay as you go (PAYGTransformation coefficientsUnitary pension present valueIntroduction The defined benefit method The defined contribution method The notional defined ...
两者的对比例：In a defined benefit pension plan:A. the employee is responsible for making ...
A defined benefit plan is funded and managed by an employer. A defined contribution plan is managed and funded by employees and boosted by employer contributions.
Unlike defined benefit plans, the ultimate retirement benefit in a defined contribution plan is not predetermined. Instead, it depends on factors such as employee contributions, investment performance, and the length of time the funds are invested. ...
While they are rare in the private sector, defined-benefit pension plans are still somewhat common in the public sector—in particular, with government jobs.2 Defined-Contribution Plan Defined-contribution plans are funded primarily by the employee. The most common type of defined-c...