基于收入水平的多层次养老保险体系构建研究

发布时间：2018-01-02 19:06

本文关键词：基于收入水平的多层次养老保险体系构建研究　出处：《社会保障研究》2016年05期 　论文类型：期刊论文

【摘要】：以人人享有适度养老保障为目标,构建"政府与市场分责、基本与补充结合、公平与效率并重"的多层次养老保险体系,是我国养老保险制度改革的目标模式。改革开放以来,我国养老保险制度改革成效显著,但当前多层次养老保险体系建设不能满足不同收入群体的需要,仍存在供求失衡状况。短期而言,应进一步落实和完善现行制度,健全由基本养老保险、补充养老保险和个人储蓄养老保险构成的多层次养老保险体系;长期而言,应对现有养老保险体系进行结构性调整,构建基于不同收入水平的多层次养老保险体系,包括面向无收入、低收入人群的国民基础养老金制度,面向工薪职工的基本养老保险制度,面向高收入群体的补充养老保险制度。
[Abstract]:With the goal of proper old-age security for everyone, the multi-level pension insurance system should be constructed with "the government and market share responsibility, basic and complementary combination, fair and efficient" multi-level old-age insurance system. Since the reform and opening up, China's pension system reform has achieved remarkable results, but the current multi-level pension insurance system construction can not meet the needs of different income groups. In the short term, we should further implement and perfect the current system, perfect the multi-level pension insurance system composed of basic old-age insurance, supplementary old-age insurance and individual savings old-age insurance; In the long run, we should adjust the existing pension system and build a multi-level pension system based on different income levels, including the national basic pension system for non-income and low-income people. Basic old-age insurance system for wage workers, supplementary pension insurance system for high income groups.
【作者单位】：中央财经大学保险学院;中国人民财产保险股份有限公司战略发展部;
【分类号】：F842.67
【正文快照】： 我国养老保险制度经历了从无到有、从小到大、从城镇到农村、从职业人群到城乡居民,从基本保险到多层次保险,不断改革、发展和完善的过程。建立更加公平更可持续的社会保障制度,切实处理好“政府与市场、基本与补充、公平与效率”的关系,是我国养老保险制度改革的政策目标。经

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