我国养老保险资金缺口的影响因素分析

ANALYSIS OF FACTORS INFLUENCING THE GAP OF PENSION IN CHINA

从微观角度对未来养老保险资金缺口进行测算,结果表明,工资增长率与个人养老保险积累基金投资收益率的相对差异大小、退休年龄和个人帐户缴费率等均对养老金缺口产生影响,而工资增长率与个人养老保险积累基金投资收益率的相对差异大小影响更明显。未来我国人口年龄结构及养老金缴费来源存在压力的情况下,提高养老保险资金的投资收益率是缓解我国养老保险资金缺口压力的根本路径。

This paper evaluates the future endowment insurance fund gap from the microscopic view, the result shows that, the relative differences of the rate between the wage growth and individual endowment insurance fund investment income, retiring age and individual account rate all have effect the pension gap, and wage growth rate and personal pension accumulation relative difference of income fund investment ratio is more obvious. In the future, China＇s population age structure and the pension payment pressure sources, we should improve the rate of pension investment return to ease the pressure of endowment insurance fund gap in our country.