张学武：建议农村养老基金要设定7%的基金目标收益线，收益率低于目标时由中央财政托底补足3%的最低收益，高于目标时提取20%建立风险准备金；由全国社保基金理事会实行市场化运营。
It is partly down to carriers not willing to take the risk, but also due to "insurance companies not being willing to insure this risk anymore", he told the Today programme.
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