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“中国引入个人账户做法不成功,个人账户的功能失灵。”7月中旬,中国社科院世界社保研究中心主任郑秉文在社科院举行的国际会议上坦言。中国在1990年代引进了养老保险个人账户,确立了统账结合的养老保险制度。而此前的职工的养老金,由后来的缴费者负担,个人账户的资金用于支付养老金,形成规模庞大的“空账”。据郑秉文透露,大约1.3万亿元人民币。而2004年时该数字为7400亿。消息传出后,引起全国性关注。人们开始对养老金未来的支付能力有了深深的担忧。业内专家认为,尽管目前支付风险不大,但随着人口老龄化的加剧,支付压力会愈加沉重。全国社保基金理事会理事长戴相龙很快回应说,“我国有能力增加社会保障资金,也有能力解决养老金的收支缺口。”这个巨额空账是如何产生的?我国养老保险制度存在怎样的问题?本刊就此采访了郑秉文先生。
“In the middle of July, Zheng Bingwen, director of the World Social Security Research Center of the Chinese Academy of Social Sciences, admitted at an international conference held by the Chinese Academy of Social Sciences that” China’s introduction of personal accounts is unsuccessful and the functions of individual accounts fail. “ China introduced an individual account for endowment insurance in the 1990s and established an endowment insurance system that integrates unified account with account. Prior to the workers’ pensions, paid by subsequent contributors, personal account funds for the payment of pensions, the formation of large-scale ”empty account “. According to Zheng Bingwen revealed that about 1.3 trillion yuan. Compared to 740 billion in 2004. After the news came out, it attracted national attention. People are deeply concerned about the future ability to pay for the pension. Industry experts believe that despite the current payment risk is not, but with the aging population, payment pressures will become more and more heavy. Dai Xianglong, chairman of the National Social Security Fund Council, responded quickly by saying: ”Our country has the ability to increase social security funds and also have the ability to solve the pension gap." How is this huge amount of vacancy? How does the pension system in our country exist? This issue interviewed by Mr. Zheng Bingwen.