养老基金供给不足的经济学分析

Economic Analysis on Insufficient Supply of Old Age Insurance Funds

用经济学原理分析了养老基金供给不足的原因。养老基金是私人物品 ,其供给者按照收益最大化提供养老基金。由于商业保险的收益较高 ,在一定条件下挤兑了养老基金的供给 ,加上养老基金的外部性 ,使得养老基金供给不足。由此 ,政府首先解决好养老基金外部性问题 ,并通过宏观经济政策 ,提高养老基金收益率 。

From the angle of economics, old age insurance funds are private goods with externalities, which results in insufficient supply of old age insurance funds. In China, with an increasingly larger aging population,it is much more difficult for the Chinese government to supply the expenditure of old age pension. In this article, the author makes some suggestions to resolve the above problems.