论文部分内容阅读
养老保险肩负稳定社会和保障生活的双重职能,我国社会基本养老保险制度由“现收现付制”改为“统账结合制”后,由于历史和现实的原因,个人账户有名无实,空账运转;收缴率连年下降,入不敷出;地区分布不均,制约了统筹层次的提高,限制了基金的调剂功能;基金保值增值手段单一等。解决养老保险基金危机,必须采取措施尽快完善我国养老保险体制,对策包括加快养老保险立法工作;增加基本养老保险体制外的财政投入;提高收缴率;鼓励和扶持养老保险基金进行投资,增收节支;加快省级统筹步伐,实现统一管理,提高运行效率。这是建立社会主义市场经济体制的本质要求,有利于我国社会主义市场经济持续、快速、健康的发展。
Endowment insurance shoulder the dual functions of stabilizing society and guaranteeing life. After China’s basic old-age insurance system was changed from “pay-as-you-go system” to “unification of accounts and public accounts system”, due to historical and practical reasons, , The operation of open-ended accounts; the collection rate dropped year by year, make ends meet; uneven distribution of the region has constrained the improvement of the overall level, limiting the fund’s swap function; In order to solve the crisis of the pension insurance fund, we must take measures to improve China’s pension insurance system as soon as possible. The countermeasures include: accelerating the legislative work of pension insurance; increasing the financial input outside the basic pension insurance system; increasing the collection rate; encouraging and supporting the pension fund to increase investment, ; Speed up the pace of provincial-level co-ordination, to achieve unified management, improve operational efficiency. This is an essential requirement for establishing a socialist market economic system and is conducive to the sustained, rapid and healthy development of our socialist market economy.