金融危机对我国养老保险的长期影响研究

08年开始的金融危机席卷全球,中国同样也深受其害。此次金融危机大约导致世界各种养老资产损失了5.5亿美元,而我国养老基金的直接损失大约为370亿。但是在金融危机逐渐弱化时,其对我国养老保险体系的长期影响逐渐显露出来,同时由于在金融危机期间政府采取了大量强有力的货币和财政政策,其对养老保险的影响也不能忽视。这些长期影响对我国养老保险体系的冲击是巨大的,必要加以重视。本文着重就金融危机对我国养老保险的长期影响进行分析,并在此基础上提出一些养老体系改革的政策建议。

As the 2008 financial crisis sweeping the world, China also suffered deeply. The world financial crisis led to a variety of pension assets, about the loss of 5.5 billion, while direct losses of pension funds in China are about 370 million. However, as the gradual weakening of the financial crisis, its indirect effects on endowment insurance system in China gradually revealed. And the Government during the financial crisis had taken a lot of strong monetary and fiscal policies whose impacts on the pension can not be ignored. These indirect effects on pension system in China are huge and need more attention. This article focuses on the financial crisis on pension insurance in China, and then analyzes the indirect effects and put forward a number of recommendations for reform on pension system.