韩国养老金制度及其对中国的启示

Korean Pension System and Its Enlightenment to China

韩国作为发达国家,各方面制度发展较为完善,韩国养老金制度具有覆盖范围广、再分配功能强、整体性强、灵活多样、平衡公正、市场化投资运营等优点,但也存在牺牲人民福利、缴费率较低的问题。研究韩国的养老金制度,通过对比中国的养老金制度,得出对中国养老金制度的启示:要构建全方位、市场化投资运营、覆盖率高、法制健全并且公平的养老金制度,不应牺牲人民福利和增加缴费负担。

As one of the few developed countries in Asia,Korea has developed a relatively complete system.This paper mainly studies the pension system in Korea.The Korean pension system has a wide coverage,strong redistribution function,overall integrity,flexibility,and balance,the advantages of market-oriented investment and operation,but there are also problems of sacrificing people’s welfare and low contribution rate.By comparing China’s pension system,we can draw inspirations from China’s pension system:to build a comprehensive,market-oriented investment,a pension system with high operations,high coverage,sound legal system and fairness should not sacrifice the welfare of the people and increase the burden of payment.