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经济学人103:尼日利亚的退休金计划 少消耗多储蓄

时间:2014-11-06 06:02来源:互联网 提供网友:mapleleaf   字体: [ ]
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   Pensions in Nigeria

  尼日利亚的退休金计划
  Fewer ghosts, more savings1
  少消耗 多储蓄
  After an unpromising start,Nigeria is beginning to encourage local saving and investment
  在一个不靠谱的开端之后,尼日利亚开始鼓励当地的储蓄和投资。
  FEW people in Africa are fortunate enough to have savings to fall back on in their old age. Having enrolled2 in a voluntary state-run pension scheme, Stephen Okikiola was always luckier than most. But it was not until Nigeria obliged firms with five or more employees to provide workers with pensions in 2004 that the former pharmaceuticals3 executive really started accumulating cash. “It's good to be able to rely on those monthly payments now that I am retired,” he says.
  在非洲,很少有人有足够的资金去做养老储蓄。Stephen Okikiola比大多数人幸运,因为他参加了国营的自发退休金计划。但是直到2004年尼日利亚迫使企业的五个或以上的雇员给给工人提供退休金,前制药公司的执行官们才真正地开始进行了存储。他说:“我已经退休了,能依赖于那些每月的支付是很不错的。”
  尼日利亚.jpg
  Nigeria has spent a decade resurrecting its pension system. Back at the turn of the century, government employees were enrolled in a defined-benefit system (in which eventual4 payments are fixed).It had run up unfunded liabilities of 2 trillion naira (12.9 billion).Governments seldom put aside enough money to pay existing pensioners5, let alone to cover future costs. Retirees often went unpaid6. Most private companies, meanwhile, ignored their obligation to provide pensions for their workers. At those that did, allegations of mismanagement and fraud abounded7.
  尼日利亚花了十多年去恢复他们的退休金制度。回顾本世纪初,政府雇员参加的是固定退休金制度(即期末薪金是固定的)。这加剧了高达2万亿奈拉养老金缺口(129亿美元)。政府很少给现有的退休人员准备充足的养老资金,更不用说承担未来成本。退休人员通常领不到退休金,而且大多数私人公司也不顾他们给职工提供养老金的责任。所有这些事情中充满了对管理不善的推诿和欺骗。
  All this changed with the reforms of 2004, which not only instituted mandatory8 pensions at most private firms, but also converted the government scheme from defined-benefit to defined-contribution (in which the risk of poor investment returns lies with the participants, not the sponsor). The management of the government scheme was also outsourced, and a regulator created to oversee9 the industry. Since 2005, pension schemes' assets have grown by more than 25% a year on average, to about 4.2 trillion naira (26 billion).
  这些都在2004年的改革中发生了变化。他们给私人企业制定了强制养老保险计划,同时将政府的固定退休金制改为固定缴款制(低投资回报的风险由受益人承担,而不是发起人)。这种政府制度的管理是外包的,是产业监督的一个校准器。自从2005年起,退休金制度一年的资产平均增长率超过了25%,达到了4.2万亿奈拉(260亿美元)。
  That is still a relatively10 small amount, especially when judged against the government's massively expanded estimate of the size of the Nigerian economy. In April it nearly doubled its tally11 of GDP to 510 billion. That reduced pension-scheme assets to about 5% of GDP, compared to 170% in the Netherlands, 131% in Britain and 113% in America.
  这仍旧是一笔相当少的数目,尤其是与政府对尼日利亚经济的大量乐观预期相比时。GDP在四月几乎翻番为5100亿美元。这将退休金制度的在GDP中的占比减低至5%,而在荷兰占比170%,英国占比131%,美国为113%。
  Moreover, the vast majority of Nigerians work in informal jobs, and so do not have a pension: of a working population of perhaps 80m people, only around 6m participate in any sort of scheme. The government is trying to rectify12 that, too: a fresh set of reforms, passed in July, extended the obligation to provide a pension to firms employing three or more people. It also increased mandatory contributions from 7.5% of salary for both workers and employers to 8% and 10% respectively.
  此外,数量庞大的尼日利亚人从事于不能领取退休金的非正式工作:大约8000万的劳动力人口中只有6000万左右的人参加了这个计划。政府正在试图改变这种情况。在7月通过的一系列改革中,扩大了提供退休金的义务为每个公司要雇佣三人及以上。这同样使强制性供款增加,工人从工资的7.5%增加至8%,雇员至10%。
  As a result, savings are expected to grow further. By law, all the money must be invested inNigeria. The intention is to build a big pool of local cash that will reduce the country's dependence13 on foreign aid, loans and investment. That goal has seemed all the more pressing since the prospect14 of rising interest rates in America caused an exodus15 of cash from emerging markets last year.
  因此,可以预计未来储蓄会增长。根据法律,所有的款项将投资于尼日利亚本国,以期建造一个本币现金池以降低国家对外国的援助、贷款及投资的依存度。似乎这个目标自从美国利率的上升预期导致新兴市场中的大量现金外流之后就非常迫切了。
  Nigeria's overwhelmed infrastructure16 needs billions of dollars a year in investment. Pension schemes looking for long-term, local investments to match their liabilities could fund desperately-needed roads, ports, railways and houses. PenCom, the national regulator, is trying to promote investments in electricity generation, perhaps via the government's huge privatisation programme. It also wants more forays into private equity17.
  尼日利亚过多的基础设施需要一年几百万美元的投入。退休金计划寻求长期的、本地的投资去应对他们在公路、港口、铁路和住宅方面的紧迫需求。PenCom是一个本国监管机构试图通过政府的宏大的私有化计划促进发电方面的投资,同时也希望削弱私人股本。
  As things stand, however, pension funds are shunning18 alternative assets. Overall, infrastructure accounts for less than 2% of their assets, compared with 68% for government bonds and 13% for shares. That is partly because there are only two registered infrastructure funds inNigeriaand no dedicated19 infrastructure bonds, according to Stanbic IBTC Pension Managers,Nigeria's biggest pension-fund administrator20.These are new and intimidating21 asset classes for local fund managers, says Kayode Akindele, of 46 Parallels, an investment manager.
  然而照目前的情况来看,退休金计划回避了资产的其他选择。总的来说,相比于68%的政府公债和13%的股份,基础设施的占比低于资产的2%。一部分原因是因为根据尼日利亚最大的养老基金管理机构Stanbic IBTC的养老基金管理,尼日利亚只有两个基础设施基金,且并不致力于基础设施融资。投资经理Kayode Akindele以及46个同行称,这是给本土基金经理上的最新令人畏惧的资产课程。
  Meanwhile, for the lucky few, life has improved. Former civil servants say they no longer have to queue for hours to collect their payments—the money goes straight to their accounts. And things have become more transparent22. “Ghost workers” used to account for a huge proportion of payments disbursed23, according to Demola Sogunle, the boss of Stanbic. Those days, he says, are now over.
  同时,对于少数幸运者来说,生活质量提高了。前公务员说工资直接会打到他们的账户中,不再需要排几个小时的长队去领了。同时事情也变得更有效率了,Stanbic的总裁Demola Sogunle称,曾经绝大一部分支付的工资流向了“影子工人”,而现在这种情况已经一去不复返了。

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1 savings ZjbzGu     
n.存款,储蓄
参考例句:
  • I can't afford the vacation,for it would eat up my savings.我度不起假,那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时,他的存款已全部用完。
2 enrolled ff7af27948b380bff5d583359796d3c8     
adj.入学登记了的v.[亦作enrol]( enroll的过去式和过去分词 );登记,招收,使入伍(或入会、入学等),参加,成为成员;记入名册;卷起,包起
参考例句:
  • They have been studying hard from the moment they enrolled. 从入学时起,他们就一直努力学习。 来自《简明英汉词典》
  • He enrolled with an employment agency for a teaching position. 他在职业介绍所登了记以谋求一个教师的职位。 来自《简明英汉词典》
3 pharmaceuticals be065c8a4af3a2d925d11969faac34cf     
n.医药品;药物( pharmaceutical的名词复数 )
参考例句:
  • the development of new pharmaceuticals 新药的开发
  • The companies are pouring trillions of yen into biotechnology research,especially for pharmaceuticals and new seeds. 这些公司将大量资金投入生物工艺学研究,尤其是药品和新种子方面。 来自《简明英汉词典》
4 eventual AnLx8     
adj.最后的,结局的,最终的
参考例句:
  • Several schools face eventual closure.几所学校面临最终关闭。
  • Both parties expressed optimism about an eventual solution.双方对问题的最终解决都表示乐观。
5 pensioners 688c361eca60974e5ceff4190b75ee1c     
n.领取退休、养老金或抚恤金的人( pensioner的名词复数 )
参考例句:
  • He intends to redistribute income from the middle class to poorer paid employees and pensioners. 他意图把中产阶级到低薪雇员和退休人员的收入做重新分配。 来自《简明英汉词典》
  • I am myself one of the pensioners upon the fund left by our noble benefactor. 我自己就是一个我们的高贵的施主遗留基金的养老金领取者。 来自辞典例句
6 unpaid fjEwu     
adj.未付款的,无报酬的
参考例句:
  • Doctors work excessive unpaid overtime.医生过度加班却无报酬。
  • He's doing a month's unpaid work experience with an engineering firm.他正在一家工程公司无偿工作一个月以获得工作经验。
7 abounded 40814edef832fbadb4cebe4735649eb5     
v.大量存在,充满,富于( abound的过去式和过去分词 )
参考例句:
  • Get-rich-quick schemes abounded, and many people lost their savings. “生财之道”遍地皆是,然而许多人一生积攒下来的钱转眼之间付之东流。 来自英汉非文学 - 政府文件
  • Shoppers thronged the sidewalks. Olivedrab and navy-blue uniforms abounded. 人行道上逛商店的人摩肩接踵,身着草绿色和海军蓝军装的军人比比皆是。 来自辞典例句
8 mandatory BjTyz     
adj.命令的;强制的;义务的;n.受托者
参考例句:
  • It's mandatory to pay taxes.缴税是义务性的。
  • There is no mandatory paid annual leave in the U.S.美国没有强制带薪年假。
9 oversee zKMxr     
vt.监督,管理
参考例句:
  • Soldiers oversee the food handouts.士兵们看管着救济食品。
  • Use a surveyor or architect to oversee and inspect the different stages of the work.请一位房产检视员或建筑师来监督并检查不同阶段的工作。
10 relatively bkqzS3     
adv.比较...地,相对地
参考例句:
  • The rabbit is a relatively recent introduction in Australia.兔子是相对较新引入澳大利亚的物种。
  • The operation was relatively painless.手术相对来说不痛。
11 tally Gg1yq     
n.计数器,记分,一致,测量;vt.计算,记录,使一致;vi.计算,记分,一致
参考例句:
  • Don't forget to keep a careful tally of what you spend.别忘了仔细记下你的开支账目。
  • The facts mentioned in the report tally to every detail.报告中所提到的事实都丝毫不差。
12 rectify 8AezO     
v.订正,矫正,改正
参考例句:
  • The matter will rectify itself in a few days.那件事过几天就会变好。
  • You can rectify this fault if you insert a slash.插人一条斜线便可以纠正此错误。
13 dependence 3wsx9     
n.依靠,依赖;信任,信赖;隶属
参考例句:
  • Doctors keep trying to break her dependence of the drug.医生们尽力使她戒除毒瘾。
  • He was freed from financial dependence on his parents.他在经济上摆脱了对父母的依赖。
14 prospect P01zn     
n.前景,前途;景色,视野
参考例句:
  • This state of things holds out a cheerful prospect.事态呈现出可喜的前景。
  • The prospect became more evident.前景变得更加明朗了。
15 exodus khnzj     
v.大批离去,成群外出
参考例句:
  • The medical system is facing collapse because of an exodus of doctors.由于医生大批离去,医疗系统面临崩溃。
  • Man's great challenge at this moment is to prevent his exodus from this planet.人在当前所遇到的最大挑战,就是要防止人从这个星球上消失。
16 infrastructure UbBz5     
n.下部构造,下部组织,基础结构,基础设施
参考例句:
  • We should step up the development of infrastructure for research.加强科学基础设施建设。
  • We should strengthen cultural infrastructure and boost various types of popular culture.加强文化基础设施建设,发展各类群众文化。
17 equity ji8zp     
n.公正,公平,(无固定利息的)股票
参考例句:
  • They shared the work of the house with equity.他们公平地分担家务。
  • To capture his equity,Murphy must either sell or refinance.要获得资产净值,墨菲必须出售或者重新融资。
18 shunning f77a1794ffcbea6dcfeb67a3e9932661     
v.避开,回避,避免( shun的现在分词 )
参考例句:
  • My flight was more a shunning of external and internal dangers. 我的出走是要避开各种外在的和内在的威胁。 来自辞典例句
  • That book Yeh-yeh gave me-"On Filial Piety and the Shunning of Lewdness"-was still on the table. 我坐下来,祖父给我的那本《刘芷唐先生教孝戒淫浅训》还在桌子上。 来自汉英文学 - 家(1-26) - 家(1-26)
19 dedicated duHzy2     
adj.一心一意的;献身的;热诚的
参考例句:
  • He dedicated his life to the cause of education.他献身于教育事业。
  • His whole energies are dedicated to improve the design.他的全部精力都放在改进这项设计上了。
20 administrator SJeyZ     
n.经营管理者,行政官员
参考例句:
  • The role of administrator absorbed much of Ben's energy.行政职务耗掉本很多精力。
  • He has proved himself capable as administrator.他表现出管理才能。
21 intimidating WqUzKy     
vt.恐吓,威胁( intimidate的现在分词)
参考例句:
  • They were accused of intimidating people into voting for them. 他们被控胁迫选民投他们的票。
  • This kind of questioning can be very intimidating to children. 这种问话的方式可能让孩子们非常害怕。
22 transparent Smhwx     
adj.明显的,无疑的;透明的
参考例句:
  • The water is so transparent that we can see the fishes swimming.水清澈透明,可以看到鱼儿游来游去。
  • The window glass is transparent.窗玻璃是透明的。
23 disbursed 4f19ba534204b531f6d4b9a8fe95cf89     
v.支出,付出( disburse的过去式和过去分词 )
参考例句:
  • In the 2000—2008 school year, $426.5 million was disbursed to 349085 students. 2000至2008学年,共有349085名学生获发津贴,总额达4.265亿元。 来自《简明英汉词典》
  • The bank has disbursed over $350m for the project. 银行已经为这个项目支付了超过3.5亿美元。 来自辞典例句
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