浅谈基本养老保险个人账户“空账”问题

On the "Blank Account" of Old-Ager Medical Insurance System

基本养老保险个人账户“空账”问题是基本养老保险制度运行中日渐凸现的一个重要问题,如不解决,将难以应对人口老龄化对养老金的需求,制约旧制度向新制度的顺利转轨,也必将影响养老保险制度改革的进程。因此,分析个人账户“空账”形成的原因,寻找切实可行的解决办法是当前最为迫切的任务。

the issue of ＂blank account＂ of old- ager medical insurance is now gradually becoming an important one in the process of insurance system reform, if not solved, it can＇ t meet demand for old- age pension and it restrict a successful transform from the old system to the new one as well. The article analyzes causes of it and puts forward suggestions on how to solve it.