城镇职工个人账户养老金财富的性别差异研究

Gender Differences in Pension Wealth of Individual Accounts of Urban Employees

利用劳动力市场调查数据考察个体初始工资水平的性别特征,在此基础上研究城镇职工养老保险个人账户养老金财富的性别差异,研究结果表明:在现行制度规定下按照法定年龄退休的女性职工养老金净财富更低,延长退休年龄反而增加男女职工个人账户养老金净财富,其中男性职工的净财富单岁增加额更高。合理的工资增长机制与生育补偿机制应该建立,并对男女职工分别设计账户差异化的养老金领取年龄进行规定。

Using labor market survey data to examine the gender characteristics of individual initial wage levels,and to study the gender differences in pension wealth of individual accounts for urban employees.The results indicate that under the current system,female employees who retire according to the legal age have lower net pension wealth,and extending the retirement age actually increases the net pension wealth of male and female employees’individual accounts,and the extension of each year brings more pension net wealth increase to male employees.It is recommended to establish a reasonable salary increase mechanism and maternity compensation mechanism,and design differentiated retirement age rules for male and female employees in different accounts.