养老保险全国统筹、渐进式延迟退休与基金可持续

National Pooling of Pension Insurance, Progressively Delaying the Retirement Age and Fund Sustainability

基于精算模型分析养老金全国统筹与渐进式延迟退休年龄政策对养老保险基金可持续性的影响,结果显示:全国统筹政策在短期使财政负担下降100%,长期内不能有效降低财政负担。在此基础上实施“女先男后”和“男女同步”渐进式延迟退休年龄政策能分别使养老保险累计财政负担降低6.68%和34.36%。为有效减轻养老保险基金支付压力和财政负担,应完善全国统筹政策,并尽快出台渐进式延迟退休年龄方案。

Based on an actuarial model to analyze the impact on the sustainability of the fund of implementing the national pooling system of pension insurance combined with gradually delaying the mandatory retirement age, the results show that the national pooling system reduces the financial burden by 100% in the short term, but does not effectively reduce the financial burden in the long term. The implementation of the “women first, men second” and “women and men simultaneously” progressive delayed retirement policies can reduce the cumulative financial burden of pension insurance by 6.68% and 34.36% respectively. In order to effectively reduce the payment pressure and financial burden of pension insurance funds, the national pooling policy should be improved and delaying the mandatory retirement age should be introduced as soon as possible.