养老保险省级统筹问题研究.pdfVIP

中文摘要 我国基本养老保险基金市场长期处于收不抵支状态，大部分省市依旧以市、县级统 筹为主，统筹范围小、层次低、基金管理分散、调剂力度小、抗风险能力弱，难以长期 保证离退休人员基本养老金的按时足额发放。为了摆脱这种不可持续发展的制度模式， 中央提出要逐步提高统筹层次，适应养老保障社会化的本质要求，最终实现全国统筹。 国务院规定，从1998年开始，各省区市实行养老保险省级统筹。然而历经十年，我国省 级统筹大业仍未完成。 本文试图从理论和实证两方面分析我国养老保险基金省级统筹的制度建设，以养老 保险省级统筹多年来发展缓慢为切入点，剖析其发展壁垒的根本原因和深层次原因；并 通过对福建省养老保险省级统筹的个案研究，为其他省区提供借鉴作用。同时对我国养 老保险省级统筹制度建设提出几点建议：首先建立统一的养老保险机制；其次建立相对 集中的分权管理机制；第三加快做实个人账户步伐；最后树立可持续发展观。总之，加 快实现省级统筹，是顺利推进社会养老保险制度改革的关键，是实现全国统筹的先决条 件。 [[[关键词]]养老保险；省级统筹；收支平衡；可持续发展[ ]] Abstract Abstract AAbbssttrraacctt Inalong term, Chinese basic old-ageinsurance funds market has not been in balance.And the majority of regions now pool funds based on cities or counties themselves so that the program has a small-coverage, low-level, decentralized fund management, small transferring effort and low anti-risk ability, which makes it difficult to provide the basic pensions for retirees timely and fully. In order to get out of this unsustainable development model, the central government proposed to increase the level of co-ordination gradually to meet the essential needs of the old-age insurance socialization, and ultimately realize the national co- ordination. As early as in 1998, the State Council stipulated that all provinces and municipalities implement provincial-level co-ordinate of old-age insurance. After ten years, however,such great causehasnotyet been completed. From both theoretical and empirical perspective, this paper attempts to analyze the provincial co-ordinated system ofold-age insurance funds, putting theslow development ofthe provincial Commission formany years asthe breakthrough point, and based on the analysis of root and deep-seated reasons for the system development barriers, this paper takes Fujian Province’s old-age insurance as a