延迟退休对不同性别的养老保障分析

发布时间：2018-03-30 22:34

本文选题：延迟退休　切入点：性别差异　出处：《华东理工大学学报(社会科学版)》2017年05期

【摘要】：随着老龄化进程的不断加快,我国的养老金支付问题日益严峻,延迟退休被认为是解决养老金缺口的一种有效途径。本文从个人公平的角度,通过权利与义务的对等性,测算不同性别参保人员所缴纳和所领取的养老金份额,并分析了不同退休方案的敏感度。结果表明随着预期余命和受教育年限的提高,个人所领取的养老金远大于所缴纳的养老金,延迟退休有利于减少个人账户养老金的收支差距,且女性较男性更为明显。同时,本文从社会养老保障水平出发,分析延迟退休对养老金替代率的影响,结果表明在目前养老金收益率较低、预期余命不断增加的客观情境下,延迟退休能够在一定程度上提高我国的养老保障水平。且延迟退休对于男性养老保障水平的影响小于女性,对提高女性工人的养老保障水平作用最大。
[Abstract]:With the acceleration of the aging process, the problem of pension payment in China is becoming more and more serious. The delay in retirement is considered as an effective way to solve the pension gap. The contribution and pension share of the insured persons of different genders were measured, and the sensitivity of different retirement schemes was analyzed. The results showed that with the increase of expected survival and length of education, The pension received by the individual is much larger than the pension paid, and the delay in retirement is conducive to reducing the gap between income and expenditure of the personal account pension, and is more obvious in women than in men. At the same time, this paper starts from the level of social pension security. The effect of late retirement on the pension replacement rate is analyzed. The results show that in the present objective situation of low pension return rate and increasing expected residual life, Delayed retirement can improve the level of old-age security in China to a certain extent, and the effect of delayed retirement on the level of old-age security for men is less than that for women, and it has the greatest effect on improving the level of old-age security for female workers.
【作者单位】：中国人民大学人口与发展研究中心;中国人民大学环境学院;曲靖师范学院法律与公共管理学院;中国西南地缘环境与边疆发展协同创新中心;
【基金】：2014年云南省哲学社会科学研究基地课题“云南少数民族人口城镇化与就业问题研究”(项目编号:JD2014ZD09)的成果
【分类号】：F249.2;F842.67

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