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我国现行的基本养老保险制度,是企业承担养老保险责任向社会承担养老保险责任的过渡,在社会承担养老保险责任中又进行了养老保险基金由现收现付制向社会统筹与个人账户相结合的部分积累模式转轨。目前的基本养老保险“统账结合”制度,个人缴费的义务清晰明了,但个人的财产权利模糊不清,政府集权管理的色彩仍然十分浓厚。在个人财产权“缺位”的情况下,基本养老保险制度面临以下困境。
The current basic old-age insurance system in our country is the transition from undertaking the responsibility of endowment insurance to endowment insurance in society. In the responsibility of endowment insurance in society, the pension insurance fund is integrated with the individual account through the pay-as-you-go system Part of the accumulation mode transition. At present, the basic pension insurance “system combining all accounts with ” system, the obligation of individual payment is clear, but personal property rights are blurred, the government administration of centralization is still very strong color. In the case of personal property rights “absence ”, the basic pension insurance system faces the following difficulties.