摘要
学术界和社会舆论对延迟退休制度争议不断,政策落地实施阻力较大。在不定寿命前提下,基于个人效用最大化目标,构建三阶段最优退休年龄模型,考察最优退休年龄与预期寿命、经济增长速度、入职年龄、计发年数之间的调整关系。研究表明:在当前经济制度参数下为实现个人效用最大化目标,男女性劳动者最优退休年龄分别为58.54岁和60.16岁。最优退休年龄主要受预期寿命和个人账户养老金计发年数影响,预期寿命延长和计发年数降低都会提高最优退休年龄。从劳动者利益角度出发,延迟退休年龄具有一定的空间和理由。因此,政府应实施弹性退休制度,以方便劳动者根据多种影响因素的调整关系选择最优退休年龄,并分性别制定合理的养老金计发年数,推动延迟退休政策的制定与实施。
There are controversies about the delayed retirement system in academic field,and a lot of policy implementation have huge resistance.Based on the goal of maximizing personal utility,a three-stage optimal retirement age model is construct,investigating the relationship between the optimal retirement age and life expectancy,economic growth rate,entry age,the division factor,using the actuarial model to simulate the retirement age at the maximum net income.It comes to the conclusions as follows:Optimal retirement age for male and female workers is 58.54 years and 60.16 years respectively,in order to achieve the goal of maximizing personal utility with the current economic system parameters.The optimal retirement age is mainly affected by life expectancy and the number of pension years in individual accounts.Longer life expectancy and lower shorter pension years lead the increases of the optimal retirement age.The government should implement flexible retirement system to facilitate workers to choose the optimal retirement age according to various influencing factors,help workers to straighten out the relationship between delayed retirement and net income,and realize the acceptance and implementation of delayed retirement policy.
作者
高彦
赵君彦
GAO Yan;ZHAO Jun-yan(College of Economics and Management,Hebei Agricultural University,Baoding 071000,China)
出处
《统计与信息论坛》
CSSCI
北大核心
2020年第3期122-128,共7页
Journal of Statistics and Information
基金
河北省高等学校人文社会科学研究项目“全面二孩政策对河北省基本养老保险基金收支平衡的影响与对策研究”(SQ181092)
河北省人力资源社会保障课题科研合作项目“长期护理保险参保意愿影响因素研究”(JRSHZ-2018-02006)
河北农业大学自主培养人才科研专项“河北省基本养老保险基金收支平衡与财政可持续性问题研究”(PY201806)。
