通货膨胀与工资增长:调整我国基本养老金的新思路与系统方案

Inflation and Wage Growth:New Method and Systematic Scheme for the Adjustment of China′s Basic Pension System

在通货膨胀和工资增长的背景下,调整基本养老金关系到我国2.6亿参保职工退休后的实际生活水平和基本养老保险基金的长期收支平衡。针对当前我国基本养老金调整机制的三个主要缺陷:启动机制、调整比例、调整基数,借鉴国际经验,并根据我国《社会保险法》等法律法规,构建了一个包含消费物价指数、实际工资增长率的双重参照系数及其临界值的启动机制;提出一个与消费物价指数、社会平均工资增长率双挂钩的调整比例公式,并利用2000年～2011年广东省21个地市基本养老金的实际调整数据,拟合得到两个指标的具体权重;最后还提出同时使用各地平均基本养老金、退休人员本人基本养老金来共同作为调整基数,从而构成了我国基本养老金调整机制的系统方案。

With the prospect of inflation and salary increase, the adjustment mechanism of the basic pension system affects greatly the living of China＇s 260 million working and retired workers, and also the financial balance of the Basic Pension Fund. This article focused on solving the three flaws of the adjustment mechanism of China＇s basic pension system, which were launching procedure, adjustment formula and adjustment base. Based on the experiences of other countries and the rules of Social Insurance Law, this article constructed a launching procedure which includ- ed CPI, real wage growth rate and their threshold limit value, a new adjustment proportion formula which linked with CPI and average social wage growth rate. The weighting of these two parameters were decided according to the actual adjusted data of the basic pension funds of 21 cities and prefectures of Guangdong province during 2000 -2011. The article also suggested a new adjustment base which simultaneously used the local average basic pension and the bas- ic pension of the retirees. These three parameters would constitute a systematic adjustment mechanism of China＇s basic pension system.