城镇居民养老保险调节机制分析

An Analysis on Regulation Mechanism of Urban Endowment Insurance

养老保险作为政府的一种强制性储蓄,为弥补个人的短视行为,调整储蓄率使其达到社会最优水平提供了可能,不同的养老保险机制其调节作用是不同的。通过对比各国不同的养老保险机制发现,我国特有的"统账结合"模式能有效地调节社会储蓄和消费比例,支撑宏观经济的调控。

As a mandatory government savings, the endowment insurance system makes it possible for us to remedy individuals＇ short- sighted behavior, and adjust savings rate to optimal social level. By comparing the endowment insurance systems, ings and we can find that ＂Public Accounts Conjunction with Private Accounts＂ consumption, and support macroeconomic regulating model can effectively regulate social sayings and consumption, and support macroeconomic regulating.