我国养老金“多支柱”模式存在的问题及改革方向

Study on the Problems and the Reform of China's "Multi-pillar" Pension System

20世纪70年代以来,如何应对人口老龄化导致的养老保障财务危机,成为世界各国关注的重要议题。"多支柱"模式是世界银行倡导的养老保障改革最佳方案。为了应对"未富先老"的人口老龄化压力,我国逐步建立了养老金"三支柱"模式,但"三支柱"模式无法解决现存的许多问题。为了促进我国养老保险制度可持续发展,我国有必要吸取世界银行的思想和建议,积极构建符合我国国情的养老金"五支柱"模式。

Since 1970s,how to deal with the financial crisis result from the aging of population has become the important issue of the world countries.＂Multi-pillar＂ pension model advocated by World Bank is the best solution of pension reform.In order to meet the population pressure of＂old before rich＂,China has gradually established ＂three pillars＂ pension model.But it can not solve many existing problems.In order to promote sustainable development of China＇s pension system,our country need to learn from World Bank＇s ideas and suggestions,promote the ＂five-pillar＂ pension model,which should be conformed with China＇s national conditions.