我国养老保险制度的实施现状与制度演进

The Route Evolution:Research on the Current Implementary Situation and Solution of the System of the Endowment Insurance

社会统筹与个人账户相结合是我国当前养老保险制度的筹资模式。然而,保险面狭窄、保险类别转换障碍、筹资体制弊端及养老保险制度的非法制化等问题,事关养老保险制度的可持续运行和整个国民经济的稳定与发展。以路径演进为出发点的对策研究具有重要的理论与实践意义。

The system of endowment insurance in China has developed the financing mode based on the social plans for entire project and individual account. However, its range of coverage is too narrow , the transition of the types of insurance impediment , the system of raised capital defect and the system of endowment insurance not jural. These issues mentioned above concern the continuable operation and the stabilization and development of all the national economy. The solution on the basis of the route evolution is important both theoretically and practically.