社会养老保险资金筹集模式研究

Research on modes of raising social pensions insurance

养老保险是现阶段我国社会保障体系中的一项核心内容。养老保险需要以充足的资金作为其运行的基础性条件。文章由养老基金入手,考察了国外现收现付制、完全基金积累制和部分基金积累制三种社会养老保险资金筹集模式的优势和缺陷,阐述了我国现阶段"统账结合"型养老保险资金筹集模式的选择和特点,分析了该模式运行中存在的问题,提出了完善的对策。

Pensions insurance is the core content of our country's social security system at present. The smooth running of pensions insurance is based on sufficient funds. In this paper, the author has examined advantages and disadvantages of three kinds of social pensions insurance funds raising modes: present input and output system, total funds accumulation system and part funds accumulation system in foreign countries. The choices and features of raising pensions insurance funds in the mode of 'combination of social pool and individual account' are explained here. Some existing problems in this mode are analyzed, and some countermeasures for improvement are also presented.