从国际比较看我国养老保险制度改革

Analysis of Chinese Pension System Reform Based on International Comparison

国际养老保险制度改革的共同取向就是建立个人账户和向基金积累制转化。我国养老保险制度改革在基本取向一致的同时,在具体改革措施上却有所不同。通过与国际主流模式的比较,提出了我国应该在做实个人账户的基础上,对账户资金采取私人分散管理的方式,并建立相应的风险控制机制的解决对策。

The common tendency in the international pension system reform is to establish personal accounts and transform to accumulation pension system. Along with the tendency,Chinese pension system reform has demonstrated differences in practical measures. Based on the comparison of the reform of the international pension system, some suggestions have been put forward that the idle personal accounts should be made full and social pooling acconts be preserved;meanwhile,private pension management system and appropriate risk management mechanism should be established.