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人口老龄化使得社会养老的赡养率提高,从而导致养老负担加重,面对这一挑战,有些学者提出了用积累制的社会养老模式来取代部分或全部的现收现付制。本文从理论分析的角度出发得出如下结论:积累制并不是解决人口老龄化条件下养老负担加重问题的有效途径,相反,在考虑了转制成本的前提下,人口老龄化所造成的缴费率提高的程度在积累制下将会更显著。解决人口老龄化的根本途径在于提高劳动生产率,同时可以将延长工作时间和控制替代率作为辅助手段。
Faced with this challenge, the population aging has led to an increase in the dependency ratio of social pensions, which has led to the replacement of part or all of the pay-as-you-go system with the accumulated social pension model. From the perspective of theoretical analysis, this paper draws the following conclusion: The system of accumulation is not an effective way to solve the problem of aggravating the burden of pension under the condition of population aging. On the contrary, considering the cost of conversion, the contribution rate of population aging is increased The degree of accumulation under the system will be more pronounced. The fundamental way to solve the problem of population aging is to increase labor productivity. At the same time, we can extend the working hours and control the replacement rate as auxiliary means.