行业收入差异的养老保险最优企业缴费率的分析

On Optimum Payment of Endowment Insurance According to Industry Income Differences in China

本文依据我国现行养老保险制度对缴费率的规定,应用费尔德斯坦的交叠世代模型,通过设定我国养老保险制度的相关参数,认为现行养老保险制度的企业缴费率是符合福利最大化的最优缴费率;并且不同行业的企业缴费能力存在差异,如适当改进可能带来帕累托优化效果。

Based on currently applied endowment insurance payment rate of different industries in China, using Feldstein Model of Closing Generations, and by setting relevant parameters of China＇s endowment insurance, the paper comes to the conclusion that the payment rate of industries under current endowment insurance system is in accordance with the optimum payment rate maximizing welfare, and it also finds out that payment capacity of each industry is different, which may be improved to realize Pareto optimization if some improvements are made.