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近年来银行、保险、基金、证券、信托等金融机构都对第三支柱个人养老金市场进行了积极探索，相继推出各种金融产品，为我国养老金第三支柱建设铺垫了市场基础，而以“账户”为基础的养老金第三支柱实际上是依托信托法律关系设立的；基于此，信托公司参与养老金第三支柱建设有诸多优势，信托公司在当前阶段可以服务信托为抓手，发挥账户管理和托管运营优势，从多个维度积极参与养老金第三支柱制度建设；信托公司参与养老金制度建设需要配套政策的指引和支持，信托主管机构应当从“信托版”账户制试点、业务指引、税优争取等多个方面给予信托公司支持和鼓励，使信托成为我国养老金第三支柱体系建设的中坚力量。
<<In recent years，Banks，insurance companies，fund organizations and other financial institutions have designed a variety of financial products，paving the way for the construction of the China Individual Pension System（CIP），which is based on the Fiduciary Relationship or the Trust Relationship. Therefore，the Trust Companies have many advantages in participating in the construction of CIP system. Trust Companies can take advantage of the ability on account management and actively participate in CIP system construction from multiple dimensions. Trust companies’ participating in the CIP system construction needs the policy guidance and supporting from the government，which are discussed in this report.
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