摘要
对于经常流动务工的农民工群体来说,养老保险转接政策改革具有特别的意义,大大提高了其养老保障水平。本文利用保险精算的原理,设定了几种典型的农民工流动模式,对其在改革前后的净参保收益率进行了计算和对比研究。主要的研究结论是:第一,在传统养老保险制度体系下,当农民工流动时其养老保险账户存在着巨大的流动性损失;第二,养老保险新政从制度的整合效应、账户的转移效应和制度的衔接效应上来看,都明显提高了农民工参保福利,其积极作用值得肯定。
For the migrant workers who often migrate,the reform of the old-age insurance switching policy is of special significance,which greatly improves the level of their old-age security.This article uses the principle of actuarial insurance to set up several typical migrant workers’mobility patterns,and calculates and compares their net insured rate of return before and after the reform.The main research conclusions are:First,under the old pension insurance system,when migrant workers move,there is a huge liquidity loss in their pension insurance accounts;second,the integration effect of the new pension insurance policy from the system and the transfer effect of the account From the point of view of the linkage effect with the system,both have greatly improved the insurance benefits of migrant workers,and its positive effect is worthy of recognition.
出处
《价格理论与实践》
北大核心
2021年第2期114-118,共5页
Price:Theory & Practice
基金
2018年度国家社会科学基金项目:“养老保险新政下农民工群体参保率低迷的现状研究”(18BRK023)
关键词
农民工
养老保险制度
养老保险转接政策改革
福利效应
migrant workers
endowment insurance system
reform of endowment insurance transfer policy
welfare effect