论我国养老保险改革的制度创新

On the Innovation of the Reform System of Endowment Insurance in China

针对 2 0 2 0～ 2 0 30年我国老龄人口高峰期即将到来 ,养老保险制度将面临严峻的考验。通过对现行制度的目标模式、管理体制、财务机制、基金运营机制等层面的评析 ,提出了制度创新的思路和政策建议。

With the approaching of the peak time of the aged people between 2020 and 2040, endowment insurance is faced with austere test. Through the analysis on the present objective patterns, management system, financial mechanism, and the operating mechanism of funds, this paper puts forward the train of thoughts on the system innovation and the suggestions on policy.