中国基本养老保险制度可持续发展研究

Study on the Sustainable Development of China's Basic Old-age Insurance System

中国基本养老保险制度为保障离退休职工的基本生活、促进经济社会转型发展贡献巨大,但面对如今人口老龄化加剧、覆盖面受限、财务可持续难度加大等现实挑战的情况下,制度改革势在必行。一方面要真正建立多支柱体系,并将个人账户从"统账结合"的制度中分离出来,重新梳理各支柱内容及其之间的关系,另一方面要调整费率、费基、遵缴率、退休年龄等制度参量,提升制度可持续发展的能力,并在此基础上,尽快实现养老保险全国统筹,化解地区差异性矛盾,提高制度抗风险能力。

China＇s basic old-age insurance system had great contributions to protect the basic living of retired workers and the economic and social development. However, in the face of the current challenges such as aging population, limited coverage, and financial sustainability, it is imperative to reform the system. On the one hand, it is necessary to establish a multi-pillar system and separate the individual accounts from the system of ＂unified account and account＂, re-examine the contents of the various pillars and their relationship, on the other hand, it is necessary to adjust the rate, base pay, compliance rate, retirement age and other institutional parameters to enhance the capacity of sustainable development of the system and to achieve national pension insurance to resolve the regional contradictions and Improve the system anti-risk ability.