城镇企业职工多层次养老保险保障能力影响因素研究

Factors Influencing Securing Ability of Multi-Level Pension System for Urban Enterprise Employees

社会主义市场经济体制下,国家为城镇企业职工确立了多层次的养老保险体系。数据表明,目前我国基本养老保险金、企业年金同各地区的经济发展水平、城镇职工工资水平和人均储蓄水平等因素并没有呈现较强的相关性。基本养老保险和企业年金二者相互促进,共同保障了城镇企业退休职工的基本养老。作为第三层次的商业人寿保险则受地区经济发展水平、城镇职工的平均工资水平和储蓄水平影响,而商业人寿险在弥补基本保险能力的不足中发挥了重要作用。因此,应结合地区经济发展水平、城镇职工的平均工资水平和储蓄水平等因素强化商业人寿险的地位和作用,强化多层次险种之间的相互促进作用,增强多层次险种的共同保障能力。

Under the socialist market economic system,the state has established a multi-level pension system for urban enterprise employees.Data show that China＇s basic pension insurance and enterprise annuity don＇t have strong correlations with the economic development level,the wage level of urban worker and per capita savings of the region.Basic pension insurance and enterprise annuity promote each other,and jointly protect the life of the retirees.However,the commercial life insurance at the third level is affected by the average level of regional economic development,urban workers＇ average wage level and savings level.So the commercial life insurance plays a very important role in compensating for the lack of ability of basic insurance.Thus it implicates that the state should strengthen the status and role of the commercial life insurance according to the factors in the regional economic development level,urban workers＇ average wage level and the savings equal level,strengthening the promotional functions and securing capabilities among multi-level insurances.