社会养老金金融功能的制度安排研究

Research of the Institutional Arrangement for the Financial Function of Social Pension

社会养老金制度设立方式直接关系到一国经济体系的健康运行和发展。从社会养老金制度的产生和相当长的发展过程中,大多数国家大体上都是采用的随收随支的制度。这种制度一般只从政治、社会的安定等原因而设立的,没有考虑社会养老金制度对国民经济发展的直接作用,社会养老金制度只有社会保障功能。社会养老金制度合理安排金融功能,能够使社会养老金积累规模巨大的长期储蓄资金,促进资本市场的成熟发展,对经济发展产生巨大的推动作用,社会保障功能也得到加强。

How to design and establish the social pension system is directly related to the healthy operation and development of national economy. From the birth to the development of social pension system, most nations have adopted a ＂Pay - as - You - Go＂ pension system. Such a system is established for the only purpose of politics and social stability while the effect of pension system on national economy is neglected, so the social pension system has the only function of ensuring social stability. The rational arrangement of the financial functions of social pension system can make social pension accumulate huge amounts of long - term deposit, and therefore facilitate the mature development of capital market, and promote enormously the development of economic growth. And the social security function of social pension is reinforced.