养老金替代水平下降的制度因素分析及对策

发布时间：2018-06-23 23:13

本文选题：养老金替代率 + 基本养老保险　；参考：《中国软科学》2013年04期

【摘要】：基本养老保险制度运行十多年来,其养老金的社会平均工资替代率不断下滑,且已低于60%的目标水平。究其原因,在于缴费基数缩水、缴费年限门槛过低、退休年龄过低(尤其是女性)、个人账户收益率太低等。这不仅导致个人养老金保障不足,也不利于制度自身的收支平衡与可持续发展。因此,需要从制度架构与参数设置两个方面出发,将个人账户分离出来进行市场化投资运营,同时改革有关制度参数,特别是缴费基数、缴费年限、退休年龄(尤其女性)和个人账户收益率等等,尤其不能以过分降低门槛来换取广覆盖的目标。
[Abstract]:Since the basic old-age insurance system has been in operation for more than a decade, the social average wage replacement rate of its pension has been declining, and it has fallen below the target level of 60%. The reason for this is that the base of payment shrinks, the threshold of payment is too low, the retirement age is too low (especially for women), and the rate of return on personal accounts is too low. This not only leads to insufficient protection of personal pension, but also unfavorable to the balance of income and expenditure and sustainable development of the system itself. Therefore, it is necessary to separate individual accounts from the two aspects of system structure and parameter setting to carry out market-oriented investment operations, and at the same time reform the relevant system parameters, especially the base fee base and the number of years of payment. Retirement age (especially for women) and personal account yields, among others, should not be traded for broad coverage targets.
【作者单位】：中国人民大学公共管理学院;中国人事科学研究院工资福利研究室;
【基金】：国家社会科学基金《基本养老保险个人账户基金市场化管理研究》(项目编号:08BJY158) 国家985工程优势学科创新平台项目
【分类号】：F842.6

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