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我国养老社会保险存在着巨额的个人账面亏空,在职职工退休后的养老金权益受到严重威胁。从制度经济学视角对这种情形进行分析可知,造成这一严重局面的一个非常关键的因素就是我国政府的养老社会保险转制成本处置政策存在明显的制度性缺陷:一是处置政策的不公平必然导致政策执行难;二是处置政策的模糊性导致交易成本过高;三是现行处置政策扭曲的激励机制将对人们的意识产生深远的负面影响;四是现行处置政策必然导致对社会保障专业管理部门的制度约束软化。实践证明,政府公开承担养老社会保险转制成本的责任是明智的选择。
China’s pension insurance there is a huge amount of personal book deficit, retirement pension benefits employees were seriously threatened. An analysis of this situation from the perspective of institutional economics shows that a very crucial factor in causing this serious situation is that there are obvious institutional defects in the government’s cost of social security retirement social security reform. First, it is inevitable that policies should be disposed of Leading to difficult implementation of the policy; second, the ambiguity of the disposal policy leads to the high transaction costs; third, the distorted incentive mechanism of the current disposal policy will have a far-reaching negative impact on people’s awareness; fourthly, the current disposal policy will inevitably lead to the specialization of the social security professional management Departmental system softening. Practice has proved that it is a wise choice for the government to assume the responsibility of publicly repossessed social security pension costs.