养老保险费率降低对养老金筹集影响研究

On the Impact of the Rate of Reduction on the Fundraising of Pension Funds

我国人口老龄化程度日益加深,老年人的养老生活备受社会关注。为保证老年人的生活质量,我国连续15年提升养老保险的待遇水平。在养老保险费率降低背景下进行养老金筹集,可以通过适当提升最低缴费年限、提高养老金收入期限,有计划地实施延迟退休、缓解养老金支付压力的同时增加养老金收入,继续完善财政补贴、加快国有资本划拨充实养老金收入,委托全国社保基金理事会进行养老金投资、提高养老金收益率等手段,实现养老金筹集数量不降反增。

China’s population is becoming more and more aging,and the elderly’s old-age life is highly concerned by the society.In order to ensure the quality of life of the elderly,China has raised the level of pension insurance for 15 consecutive years.In the context of the decline in the contribution rate of pension insurance,how to make the amount of pension fund increase not decrease is a very important issue.In the context of reduced pension insurance rates,pension rising can be achieved by appropriately raising the minimum payment period to increase the pension income period.In addition,pension rising can be achieved by implementing delayed retirement in a planned manner alleviates the pressure on pension payment and increasing pension income.What’s more,it is a good way to raise pension that continuing to improve financial subsidies allocates State-owned capital to enrich pension income.Lastly,entrusting the National Social Security Fund Council to invest in pensions raises the rate of return of pension.Through these methods,the amount of pension rising can be improved.