我国城镇职工养老保险再分配效应研究

发布时间：2018-06-02 00:13

本文选题：城镇职工 + 养老保险　；参考：《湖南大学》2016年硕士论文

【摘要】：随着我国人口老龄化的趋势日益严重,养老保险制度及其再分配功能受到人们广泛关注。养老保险作为社会保障的重要组成部分,其主要功能是保障老年人的基本生活水平,同时对家庭收入进行再分配。通过对大量文献的梳理发现,国外的学者在养老保险制度的研究方法和技巧上较为完善,包括代际分配、代内分配、制度模式、影响因素等方面的研究。本文运用2011年中国家庭金融调查(CHFS)数据,基于个人工资预测模型,养老保险精算模型以及最小二乘回归模型,从一个更全面的角度去分析我国城镇职工养老保险制度的再分配效应,包括代际再分配,性别之间,不同收入人群之间,不同企业所有制之间,不同婚姻状况人群之间的再分配。并且文章还通过设置不同的工资增长率和利率水平,来预测和分析我国城镇职工养老保险制度再分配效应对经济波动的敏感程度。研究表明：我国城镇职工养老保险再分配效应主要体现在代际间、不同收入人群间、性别间和不同所有制单位间,其次体现在不同婚姻状况人群间。现行养老保险制度使得女性受益比男性多,年轻人受益比老年人多,低收入人群受益比高收入人群多,国有经济单位人群受益比非国有经济单位多,未婚人群受益比已婚人群多。而且城镇职工养老保险在代际间、性别间、不同婚姻状况人群间的再分配效应会受到收入因素的影响。利率不变,工资增长率的增大会使得城镇职工养老保险再分配程度增大。工资增长率不变,利率增大会使得城镇职工养老保险再分配程度减小。基于上述结论,提出了相关政策建议。第一,适当提高女性的退休年龄或减少女性的养老金计发时间。第二,对非国有经济单位实行适当的财政补贴,从而加强这类人群的参保意愿,有助于城镇职工养老保险制度的推行。第三,提高养老保险覆盖率、实行全国统筹。第四,政府进行适当的宏观调控使得利率水平和工资增长率水平维持在一定合理的范围区域内,这样更能促进我国养老保险制度的作用发挥。
[Abstract]:With the increasing trend of population aging in China, people pay more and more attention to the pension insurance system and its redistribution function. As an important part of social security, the main function of old-age insurance is to ensure the basic living standard of the elderly, and to redistribute the family income at the same time. Through the review of a large number of literatures, it is found that the research methods and techniques of the old-age insurance system are relatively perfect, including intergenerational distribution, intra-generation distribution, institutional model, influencing factors and so on. Based on the data of China Household Financial Survey (CHFS) in 2011, this paper is based on personal wage forecasting model, pension actuarial model and least square regression model. From a more comprehensive perspective, this paper analyzes the redistribution effects of the old-age insurance system for urban workers in China, including intergenerational redistribution, gender, different income groups, and different enterprise ownership. Redistribution among people of different marital status. The paper also predicts and analyzes the sensitivity of the redistribution effect of the old-age insurance system of urban workers to the economic fluctuation by setting different wage growth rates and interest rate levels. The research shows that the redistribution effect of urban workers' pension insurance is mainly reflected in intergenerational, different income groups, gender and different ownership units, followed by different marital status groups. The current old-age insurance system makes women benefit more than men, young people benefit more than the elderly, low-income groups benefit more than high-income people, and state-owned economic units benefit more than non-state-owned economic units. Unmarried people benefit more than married people. Moreover, the redistribution effect of urban workers' pension insurance between generations, gender and different marital status will be affected by income factors. The rate of interest remains unchanged, and the increase of wage growth will increase the redistribution of old-age insurance for urban workers. The rate of increase of wages is constant, and the increase of interest rate will reduce the redistribution of pension insurance for urban workers. Based on the above conclusions, the relevant policy recommendations are put forward. First, raise the retirement age of women or reduce the time of pension payment. Secondly, appropriate financial subsidies should be given to non-state-owned economic units, so as to strengthen the willingness of these people to participate in the insurance, and contribute to the implementation of the old-age insurance system for urban workers. Third, increase the coverage of pension insurance, the implementation of a national overall plan. Fourthly, the government should make the interest rate level and wage growth rate maintain in a reasonable range, which can promote the role of the pension insurance system in China.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.67

【相似文献】