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能否应对人口老龄化高峰时养老金的支付危机是我国养老金筹资模式改革成败的关键。无论是现收现付制还是基金积累制,其养老金增长的物质基础完全一致,两种筹资模式都容易受到人口结构变动的影响。因此,要化解老龄化危机,不能仅局限于养老保险体系本身,根本之道是提高劳动生产率,增加劳动有效供给,促进经济增长。
Whether to meet the payment crisis of the pension at the peak of the population aging is the key to the success or failure of the reform of the pension financing model in our country. Regardless of the pay-as-you-go system or the system of fund accumulation, the material basis for their pension growth is exactly the same, and both funding models are vulnerable to changes in the population structure. Therefore, to solve the crisis of aging, we can not only confine ourselves to the pension insurance system. The fundamental approach is to increase labor productivity, increase the effective supply of labor and promote economic growth.