基本养老保险制度模式选择论——基于风险管理的视角

On the Choice of Basic Endowment Insurance System Model:From the Perspective of Risk Management

基本养老保险制度是我国国家制度的重要组成部分,也是推进我国养老领域治理体系和治理能力现代化的根本依托。随着中国特色社会主义进入新时代,我国基本养老保险制度的改革也进入了新的历史时点,传统的基于国外经验基础上"摸着石头过河"的改革方式出现较大的不适应性,新的改革需要在理论层面把握基本养老保险制度内在发展规律,基于中央政府顶层设计的视角,构建具有开创性、全局性和前瞻性的制度模式。本文在管理理论阐释基本养老保险制度内在机理的基础上,分析制度现有的问题及其成因,并基于此构建"统账结合、分段支付"的制度模式,从而为基本养老保险制度改革提供了一个全新的方案。

The basic endowment insurance system is an important part of national system in China.It is also the fundamental support to promote the modernization of governance system and governance capacity in the field of pension.With socialism with Chinese characteristics entering a new era,the reform of basic endowment insurance system has entered a new historical point.The traditional reform method of"crossing the river by feeling the stones"based on foreign experience is not suitable.The new reform needs to grasp the internal development law of the basic pension insurance system at the theoretical level.From the perspective of the top-level design of the central government,we should make a pioneering,overall and forward-looking reform plan.Based on the theory of risk management,this paper explains the internal mechanism of basic endowment insurance system,analyzes the existing problems and causes of the system,and makes a system model of‘unified account combination and sectional payment’.It provides a new scheme for the reform of the basic endowment insurance system.