延迟退休会减少职工和居民的养老金财富吗?

Will Delaying Retirement Reduce the Pension Wealth of Workers and Residents?

国家即将出台延迟退休年龄政策,而延迟退休对城镇职工和城乡居民养老金财富的影响广受民众关注。通过构建养老金财富精算模型,测算发现:延迟退休后,职工和居民的养老金财富仍为正值;延迟退休并不必然会减少职工或居民的养老金财富,它取决于延迟退休的程度以及职工缴费基数或居民所选择的缴费档次的高低;延迟退休减少职工和居民养老金财富的情形与基本养老保险长缴多得、多缴多得的激励机制相违背。由此建议:对超过一定缴费年限的参保人加发一定比例或数额的基础养老金;对缴费年限长的参保人给予较高的记账利率;延迟退休年龄方案应弹性、灵活、有针对性。

China government will introduce the policy of delayed retirement,which attracts attention of workers and residents,caring about whether it will affect their pension wealth or not.Through constructing the pension wealth actuarial model and calculating,it finds that:After delaying retirement,the pension wealth of workers and residents is still positive;delaying retirement does not necessarily diminish the pension wealth of workers or residents,depending on the degree of delaying retirement and the contribution base of the workers or the level of the payment grade chosen by the residents;the situation that delaying retirement will reduce the pension wealth of workers and residents is contrary to the incentive mechanism of basic old-age insurance which is pay long get more and pay more get more.Suggestions:improving the basic pension payment method by paying more percentage of the basic pension to those contributing longer than a certain period;improving the billing interest rate method of personal account by giving a higher billing rate to those contributing a longer period;delayed retirement policy should be flexible and targeted.