我国养老保险的现状及对策分析.pdfVIP

我国养老保险的现状及对策分析 摘 要 我国老龄人口增长态势明显，养老保险制度的受益人数急剧增加，对现行养老 保险制度构成严重挑战。加上我国的基本养老保险覆盖率太低，社会统筹和个人账 户相结合的体制入不敷出，形成数额惊人的隐形债务，国有企业的养老负担严重使 养老问题成为我国的最主要的社会问题之一。多层次的养老保险制度就是既能发挥 保障生活和安定社会的作用, 又能适应不同经济条件需求。本文试图说明我国养老 保险的现状，存在问题，通过国外经验的借鉴，分析我国养老保险的制约因素，研 究相应的对策。这对已经步入老年和刚刚毕业开始工作的年轻一代都具有极其现实 的意义。我国养老保险体系在不断地改革和变迁,形成了社会统筹与个人帐户相结 合的部分积累制筹资模式。然而,在体制转变的过程中基金来源单一、个人帐户 空 帐 运行、管理效率低下、覆盖范围狭窄等成为当前养老体系改革的后遗症。养老 保险制度能否可持续运行发展,事关整个国民经济的稳定与发展,解决以上问题的 对策研究也显得尤为重要。 关键词: 养老保险 老龄化 多层次 NDC I 我国养老保险的现状及对策分析 Abstract An aging population resulting from a decreased rate of birth and prolonged life expectancy has become a worldwide problem, which is much more serious in china than in other countries due to its big population based on its birth-control policy carried out since 1970s. With the gravity trend of aging population growth, it affects a country’s pension system through imposing an impact on the ratio between working and retired population, and brings a challenge to the balance of pension fund. Therefore, it is instructive for practice to explore the innovation of pension system and face up in a positive attitude the impingement of the growing aging population against governmental budget for pension insurance and social economy. After constant reform and changes , the Part system which is the combination of the social security and the MIR replaced the Pay As You Go system. However , there are lots of problems for Chinas Aged Insurance such as the solely fund source ,the“empty credit”of the private accounts ,the narrow scope and the low efficient management etc. As a result, it is very urgent for our society to find some ways to solve this problem. Key words : endowment insurance aged tendency multi-level N