基本养老保险全国统筹的基本理论问题

Basic Theoretical Issues of National Pooling of Basic Endowment Insurance

基本养老保险全国统筹,是指基本养老保险基金在全国范围内统一筹集与统筹使用。基本养老保险全国统筹本身不是目的,其目标是通过全国统筹提高规模效应,共担养老风险,确保养老保险事业持续健康发展。养老保险全国统筹的起点是地方统筹,基本养老保险基金中央调剂是全国统筹的初级形式,基本养老保险基金全国范围内统一收支是全国统筹的目标模式。实现养老保险全国统筹是提高基金抗风险能力的需要,是为企业提供公平竞争环境的需要,是生产关系适应生产力发展规律的客观反映。基本养老保险全国统筹是“基金统筹、制度统一、管理健全、技术规范”四位一体的系统工程,应协同推进基本养老保险全国统筹改革。

National pooling of basic endowment insurance means that the basic endowment insurance fund is raised and used in a unified way throughout the country.National pooling of basic endowment insurance is not an end in itself.Its goal is to improve the scale effect,share the endowment risk and ensure the sustainable and healthy development of the endowment insurance industry through national pooling.The starting point of national endowment insurance pooling is local pooling,the central adjustment of basic endowment insurance fund is the primary form of national pooling,and the national unified income and expenditure of basic endowment insurance fund is the target mode of national pooling.The realization of national pooling of endowment insurance is the need to improve the anti-risk ability of the fund,the need to provide a fair competitive environment for enterprises,and the objective reflection of the production relationship to adapt to the law of productivity development.National pooling of basic endowment insurance is a systematic project integrating“fund pooling,unified system,sound management,and standardized technology”,which should be coordinated to promote the national pooling reform of basic endowment insurance.