新型农村社会养老保险激励机制分析

发布时间：2018-01-21 16:05

本文关键词： 新型农村居民养老保险激励机制再分配　出处：《湖南师范大学社会科学学报》2015年02期 　论文类型：期刊论文

【摘要】：基于局部均衡分析框架,通过精算方法对新型农村居民基本养老保险四种模式的激励效应和再分配效应研究。结果表明:现行制度对中青年人参保和居民选择缴费档次激励效应偏低;制度具有一定的代际再分配效应,但是在代内之间不仅不具有再分配效应,而且有些模式还会产生逆向收入转移。在现有制度设计中,希望通过财政方式同时达到激励与再分配效应是难以兼顾的,而且还会影响制度保障水平提升。因此,新型农村社会养老保险应进行优化,而优化关键是理清财政补贴与个人账户之间的功能。财政补贴应侧重再分配效应,向缴费年龄高和低收入居民倾斜。个人账户应主要侧重激励效应,通过较高回报率激励居民参保,提高保障水平。
[Abstract]:Based on the local equilibrium analysis framework. The incentive effect and redistribution effect of the four basic old-age insurance models for new rural residents are studied by actuarial method. The results show that the current system has a low incentive effect on young people's participation in insurance and residents' choice of contribution. The system has certain intergenerational redistribution effect, but not only does not have the redistribution effect among generations, but also some models will produce the reverse income transfer. It is difficult to achieve both incentive and redistribution effects through fiscal means, and it will also affect the level of institutional security. Therefore, the new rural social endowment insurance should be optimized. The key to optimization is to clarify the function between financial subsidies and individual accounts. Financial subsidies should focus on the redistribution effect, towards the high-age and low-income residents. Personal accounts should mainly focus on the incentive effect. Through a higher rate of return to encourage residents to participate in the insurance, improve the level of security.
【作者单位】：湖南师范大学公共管理学院;
【基金】：国家社科基金青年项目“高风险家庭儿童防虐体系研究”(12CSH095)
【分类号】：F842.67;D669.6
【正文快照】： 一、引言前总理温家宝在2013年工作报告中提出在当年养老保险将基本覆盖全民。在2012年底,各地先后宣布进入“全民养老时代”。在新型农村社会养老保险基本覆盖的华丽数据下也存在发展危机。这种危机主要体现在缴费档次选择低和对青年参保缺乏激励性两个方面:一是居民普遍选择

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