中国统筹养老金适度调整指数分析

Analysis on Moderate Adjustment Index of Public Pool Pension in China

作为公共养老金制度的一部分,养老金调整指数适度与否会对养老金计划和经济发展产生重要影响。文章以卡尔多—希克斯补偿标准为适度调整指数的理论标准,以穆怀中提出的内部效率和外部效率理论为检验依据,通过目标定位、计量分析和精算预测得出结论为:对“老人”保障由统筹养老金提供的食品相对消费水平不降低,对“新人”仅保障基础养老金绝对购买力水平不降低的最低调整指数方案,是中国现行养老金计划的适度调整指数方案。

As a part of public pension, moderate adjustment index of the public pool pension will have deep effect on pension plan and economic development. Based on Kardor-Hicks＇s compensation standards and Mu Huaizhong＇ s internal effect and external effect theory, this paper studies the moderate adjustment index plan through targeting, metric analysis and insurance actuarial method. It concludes that the lower schemes of maintaining the ＂old man＂ relative level of food consuming provided by public pool pension and maintaining the ＂new man＂ absolute consuming level of basic pension only is the realistic choice of public pool pension in China.