关于完善我国城镇养老保险制度的思考

Reflections on Improving China's Urban Pension Insurance System

养老保险制度是我国社会保障体系的重要组成部分,这些年来取得不少进展,但仍有一些问题亟待解决。首先,应不断扩大我国城镇养老保险制度的覆盖面,同时向农村推广,最终建立城乡一体的社会养老保险制度。其次,养老保险资金的筹集是完善我国养老保险制度的重要方面,我国目前完善养老保险资金筹资模式的目标是做实个人账户,在适当时机逐步加大划入个人账户的比例,最终实现现收现付制下的“给付确定”的养老保险筹资模式。

Pension insurance is the main part of China＇ s social security system has some problems to be solved though much progress has been made in this field in recent years. First of all, its coverage should be extended from urban areas to rural areas so as to ultimately set up a combined system; second, as fund-collec- ting is another important aspect of the system, but the target of the current fund-collecting mode is the fulfilling of individual account, the proportion of adding to individual accounts should be increased in due time so that we can put into effect the mode of ＂defined benefit＂ pension system funding collection in the system of ＂pay- ing-as-you-go＂.