养老保险的市场失灵与政府失灵及其矫正路径

The Retirement Insurance Market and the Government Out of Control and the Corrections

为矫正表现为逆向选择、道德风险、老年储蓄不足、信息不完备和难以处置通货膨胀风险的市场失灵以及表现为强制统一性购买、成本和收益分离、负担与义务分离、无法评判政府转移支付的产出和质量的政府失灵,应寻求养老保险领域政府行为与市场行为的均衡。政府应当利用其强制权为养老保险提供一个相对完备的法律框架;政府应以分配的公正、经济增长与稳定为目标,对经济进行总量和结构调节。

In order to balance the government behavior and market behavior on retirement insurance, the government should provide a comprehensive law frame for retirement insurance by means of using compulsion right; The government should adjust the total amount and structure of economy, aiming at fair distribution, economic growth and stability.