养老政策对财政风险的影响研究——以河南省为例

Research on the Impact of Pension Policy on Financial Risk——Taking Henan province as an example

本文对河南省社会养老保障金由于积累少、替代率的逐年增高和参保比例等原因使财政支持力度逐年增加所形成的财政风险进行了分析,提出弹性退休工资模式,加快经济增长、提高养老金投资收益,扩大养老金的统筹范围和渠道,加强宣传与缴纳等措施和观点,为政策决策提供依据。

This paper analyses the financial risk in Henan Province caused by social pension due to the lack of ac-cumulation, the increase of the replacement rate and the proportion of the insured, and puts forward the elastic re-tirement wage model, to accelerate the economic growth, improve the income of pension investment, and expand the overall scope and channels of the pension, strengthen publicity and payment measures, and provide basis for policy decision.