关于基本养老保险存取比问题的研究

Study on the Ratio of Contribution and Payment of Basic Pension Insurance

基本养老保险是我国三支柱养老体系的第一支柱,在保障退休生活上发挥着重要的作用,然而,基本养老保险在缴费与待遇安排上存在不对称的现象,容易导致逆选择。本文通过养老金的累积作用,验证制度设计效果,并通过养老金替代率与"存取比"指标,揭示参保人员在缴费年限、缴费额度等方面的逆选择。

Basic pension insurance is the first pillar of China pension insurance system which is very important for the retirement life. While there is adverse selection because of the asymmetry between contribution and payment. This paper is to test its accumulation effect and disclose the adverse selection using the ration of contribution and payment.