论文部分内容阅读
探索和设计适合农民工特点的养老保险政策是当今社会的一个重大课题。近年来出现的农民工“退保潮”是由于现行的制度设计不合理所造成的。目前制度不能适应农民工的高流动性和就业、收入不稳定的特点,且缴费期限过长。要解决“退保潮”问题就必须从农民工的特点入手,重新设计农民工养老保险制度。本文提出通过建立社会保险银行、个人养老储蓄账户和“弹性”的农民工养老保险制度的制度设计来完善农民工养老保险。
The exploration and design of endowment insurance policies that are suitable for the characteristics of migrant workers are an important issue in our society. In recent years, the emergence of migrant workers “retreat tide” is due to the current system design caused by unreasonable. At present, the system can not meet the high mobility of migrant workers and employment, the characteristics of income instability, and the payment period is too long. To solve the problem of “surrendering insurance premiums”, we must start with the characteristics of migrant workers and redesign the pension insurance system for migrant workers. This paper proposes to perfect the pension insurance for migrant workers by establishing the system design of the pension insurance system for social insurance banks, individual retirement savings accounts and “flexible ” migrant workers.