养老保险“碎片化”的成因分析与应对策略

The causes of pension insurance "fragmentation" and countermeasures

养老保险的碎片化,衍生出养老保险待遇不公平、制度运行不经济、基金收支不可持续以及转移接续困难等问题,对经济社会发展带来诸多不利影响。养老保险制度渐进式发展的道路,城乡经济社会发展的二元格局,养老保险制度设计的缺陷,以及群体利益和地区利益的存在,是导致我国养老保险碎片化的成因。我国应加快推进养老保险制度的有机整合,推进城乡一体化养老保险体系建设,消除"碎片化"带来的不利影响。

Pension insurance ＂fragmentation＂ can lead to the problems of unfairness of pension program, inefficiency of the operation of the system, unsustainability of the pension fund and the difficulty of pension program transfer, therefore create many negative impacts on socio-economic development. During the gradual development of the pension system in China, the bi-polar economic development in urban and rural areas, deficiencies of the pension insurance system, and the coexistence of stakeholder interests and regional interests are factors giving rise to the fragmentation of the pension programs. China should accelerate the organic consolidation of the pension insurance system, propel the progress of an integrated pension system in urban and rural areas, and eradicate unfavorable impacts of the pension insurance ＂fragmentation＂.