应对人口老龄化的养老保险对策研究

A Study on Pension Insurance Coping with Population Aging

我国养老保险事业已进入快速发展的黄金期,但从制度完善、持续发展角度来看,还面临诸多问题与挑战,如人口老龄化加剧、国民收入初次分配的不合理、国内外资本市场的不稳定以及养老保险制度自身存在的问题等。未来我国养老保险制度发展的总体目标是实现保障对象全民化、保障方式多样化、筹资渠道多元化、管理服务社会化,建立和谐、稳定、可持续发展的养老保险安全网。为应对人口老龄化,我国应未雨绸缪,提前研究和出台养老保险制度发展对策,以降低人口老龄化带来的负面影响。发展对策包括,尽快出台养老保险基金投资运营政策,逐步做实企业职工基本养老保险个人账户,适时提高领取全额养老金的年龄。

From the perspective of sustainable development, pension insurance system in China faces many challenges such as population aging, imbalanced primary distribution of national income, unstable capital market at home and abroad and some operation problems. The overall objective of the development of pension insurance system is to cover all the Chinese people, to provide various kinds of security and to offer different ways of ifnancing and socialized management service. A harmonious, steady and sustainable pension insurance system will be established. This paper proposes some suggestions on coping with population aging, including issuing the regulations on pension insurance fund investment and operation, fully funding personal pension accounts of enterprise workers and raising the age to receive a full pension.