改进我国养老保险基金运营浅析

Improvement of Chinese Pension Fund Operations

我国人口基数大、老龄化,是养老保险基金运营入不敷出、收不抵支、严重失衡的重要原因。提出了从增加政府财政投入、开辟养老保险基金增值运营渠道、扩大缴费规模、延长缴费时间、建立奖励账户激励等措施,以确保养老保险基金的有序收缴并保值增值。

The important reasons of the actuality of Chinese pension insurance fund, such as income can＇t cover outlay, income over expenditure, and serious imbalance, are discussed： a large population base and aging society. Several measures are proposed to ensure the collection of pension insurance fund as well as increasing the value of that, which are, to increase government financial input, to open up value-added operations channels for pension insurance fund, to expand the scale of pay, to extend the payment time, and to create a reward account incentive system, etc.