摘要
社会养老保险制度作为我国老年人晚年生活的重要保障,其制度设计的意义在于为了保障老年人的基本生活需要。然而,我国养老保险体系尚未健全,在制度设计之初缺乏长期可持续性的战略考量。本文通过列举养老金水平影响养老保险可持续的相关案例,对过低或过高养老金水平影响养老保险可持续的原因进行分析,进而提出建立以财政为主体的多元渠道筹资机制,加强构建养老金监管约束机制,构建养老保险可持续性分级预警体系等实践路径。最终达到通过对养老金水平的调控,增强养老保险制度可持续性的目的。
The social endowment insurance system is an important guarantee for the elderly in China in their later years.The significance of the system design is to protect the basic living needs of the elderly.However,China's pension insurance system is not yet complete,and there is no long-term sustainability strategic consideration at the beginning of the system design.By listing relevant cases in which pension level affects the sustainability of pension insurance,this paper analyzes the reasons why the level of pensions is too low or too high affects the sustainability of pension insurance,and then proposes to establish a multi-channel financing mechanism with finance as the main body,strengthen the establishment of a pension supervision and restriction mechanism,and build a grading early warning system for the sustainability of pension insurance.In the end,the goal of enhancing the sustainability of the pension insurance system by regulating the level of pensions is achieved.
作者
马广博
张盼盼
MA Guang-bo;ZHANG Pan-pan(Institute of Finance and Public Management,Anhui University of Finance&Economics,Bengbu 233030,China)
出处
《价值工程》
2020年第34期117-118,共2页
Value Engineering
基金
2017年安徽财经大学校级重点项目:财政补贴、养老金水平与社会养老保险制度可持续性研究(项目编号:ACKY1716ZDB)。
关键词
养老金水平
养老保险可持续
分级预警机制
pension level
sustainable endowment insurance
hierarchical early warning mechanism
