中国养老保险制度的改革与完善

Reform and Consummation of Old-age Pension System in China

由于中国目前的养老保险制度存在基金收不抵支,费基流失,混帐管理,调整机制不合理等问题,再加上退休年龄提前,个人帐户支付期偏短,使由社会统筹模式向个人帐户模式的改革困难重重。应着力于对“中人”、“老人”养老金支付风险的化解,金融风险的规避,长寿者支付风险的化解以及“中人”个人帐户的做实。

Because the current old-age pension system in China has such problem as income can not meet the expenditure, funds are let out, accounts are not clear, adjustment mechanism is not rational and so on, retiring age is ahead of lawful age and the payment of individual account is short, which make it difficult to change from social unified planning mode to individual account mode, decrease the expenditure of payment risk of old-age pension in middle and old age people to prevent financial risk and decrease the expenditure risk of long life people and to realize real individual account.