养老保险中的政府责任——基于风险管理的视角

The Government Responsibility in Endowment Insurance From the perspective of Risk Management

从社会保障帮助人们处理生活风险的核心职能出发,审视政府在养老保险中的责任,政府应协调和利用各种力量实现养老保障目标,控制个人、企业等主体在养老决策中的风险因素。在多支柱养老保险体系中,政府的责任在于统筹利用不同的养老金类别在收入再分配、风险分担和处理、资本积累和金融深化等方面各自的优势。为实现养老保障目标,政府还应承担财政兜底责任,履行财政兜底责任,必须控制财政风险。

The government responsibility should examined from the core function of social security to help people handle risks of life.Government should facilitate and coordinate various forces for elderly support and control the risks of personal,enterprises decision-making in the pension.In the multi-pillar endowment insurance system,government should take responsibility for integrating the advantages of various pension schemes in redistribution of income,risks sharing,risk handling,capital accumulation and financial deepening.For elderly support,government should take responsibility for the ultimate request of public finance,therefore,government should control public financial risk.