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目前我国统筹与个人账户相结合的养老保险制度账面上是部分积累制,实际上仍未改变现收现付的性质,而且正面临着进一步发展的难题,养老保险的困境的根源在于制度缺陷,只有从根除制度缺陷入手,调整养老保险的制度框架,消除转制成本、加快配套政策的改革,才能真正建立起可持续发展的养老保险制度。
At present, the pension insurance system with the combination of overall planning and individual accounts in our country is partly covered by the system of accumulation. In fact, it still has not changed the pay-as-you-go nature, and is facing the problem of further development. The plight of pension insurance lies in the system defects, Only by starting from the eradication of system defects, adjusting the institutional framework of pension insurance, eliminating the cost of restructuring and speeding up the reform of supporting policies, can we truly establish a sustainable development pension insurance system.