我国养老金调整机制研究.pdfVIP

摘 要 养老金调整从直观的角度来看，是对退休人员的养老金水平进行调整，其 目的是为了降低养老金受通货膨胀的影响，确保广大退休人员的生活水平不因 此而降低，同时也让他们能同其他社会成员一起共同享受经济社会发展的成果。 我国养老金调整机制从无到有，逐步成长，对提高退休人员养老金水平起了重 要的积极作用，但还很不成熟，需要不断完善。 我国养老金调整机制的发展经历了一个渐进式的成长过程，其中可划分为 几个阶段。在其每一个阶段都有其自己的特点，也有许多的不足，如养老金调 整机制运行不规范、养老金调整幅度与调整政策的不一致、养老保险基金来源 过于单一和养老金调整对国家财政的依赖过大，以及养老金调整机制功能的泛 化，等等。应该说这是正常的，不可避免的，是有其多方面的原因的，需要具 体分析，具体解决。 我国养老金调整机制的规范化与科学化是一个复杂的系统工程，需要从多 方面下进行完善。（1）进一步明确责任范围，为新的养老金调整机制定好位； （2）制定合理的养老保险政策，建立统一的养老保险制度；（3）采取有效方 式多渠道筹资，增强基金的自我平衡能力；（4）创造条件，早日建立统一的养 老金调整指数化机制；（5）用法律和制度的形式明确固定养老金调整机制，等 等。 关键词 养老保险制度；养老金；养老金调整 1 Abstract Adjustment of retirement pension is to adjust retirement pension of retired people in order to prevent their standard of living from debasing because of inflation, making them share development of economy with other people. Chinese system of adjustment of retirement pension, developed from nothing, has played an important positive role for increasing standard of retirement pension. But it is still immature and has to be perfect. The development of Chinese system of adjustment of retirement pension can be divided into several phases with different features. And there are still many existing disadvantages in the system, such as abnormity of operation, inconsistence between the adjustment and the relative policy, excessive dependence on government finance, lack of substantial instruction, and so on. These disadvantages are inevitable and normal at present. And they should be analyzed and resolved according to special practice. Normalization and systematization of Chinese system of adjustment of retirement pension is a complicate problem. It could be done in the followin