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在世界性经济危机席卷全球之时,各国政府纷纷寻求解决之道,我国政府高度关注民生,因此,社会保障制度的建设显得尤为重要。要实现统一的养老保险制度并有效地实施养老保险,建立以普惠制为基础的农村养老保险模式无疑是一个有效途径。但是,也有一些结点很难突破,制约改革的整体推进。为此,建议比照城市养老保险制度建立多支柱模式:以普惠制为基础;继续积极推进由个人缴费支撑的个人账户;采取必要的政策措施,继续鼓励家庭养老。
As the global economic crisis swept the globe, governments of all countries have sought solutions. Our government has paid close attention to people’s livelihood. Therefore, the construction of the social security system is particularly important. To achieve a unified pension insurance system and effectively implement the pension insurance, establishing an old-age insurance model based on GSP is undoubtedly an effective way. However, there are also some nodes that are difficult to break through and restrict the overall progress of the reform. To this end, it is proposed to establish a multi-pillar model of urban endowment insurance system based on the principle of GSP; continue to actively promote personal accounts supported by individual contributions; and take the necessary policy measures to continue to encourage family retirement.