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进入21世纪,人口老龄化已经成为近代以来世界人口演变的基本趋势和国际社会关注的焦点。人口老龄化带来了一系列的社会经济问题,尤其给老年保障带来了严峻的挑战。解决人口老龄化问题,就必须进一步完善多支柱的养老保险体系。随着我国养老保险制度结构性改革的开展,政府主导下的基本养老保险计划的保障水平逐步降低,政府在老年经济保障领域的责任进一步退出,而让位于市场化管理运营的企业年金计划和个人储蓄性养老保险计划。国家基本养老保险计划保障水平的下降,意味着商业保险在完善养老保险制度中发挥着越来越重要的作用。
In the 21st century, population aging has become the basic trend of the demographic transition in the modern world and the focus of the international community. The aging population brings with it a series of social and economic problems, which pose serious challenges to the old-age security system in particular. To solve the problem of population aging, we must further improve the multi-pillar pension insurance system. With the implementation of the structural reform of the pension insurance system in our country, the level of protection under the government-led basic old-age insurance scheme has been gradually reduced, and the government’s responsibility in the field of elder economic security has been further withdrawn, leaving the enterprise annuity plan under the market-oriented management and operation Personal savings pension plan. The decline of the guarantee level of the national basic pension insurance system means that commercial insurance plays an increasingly important role in improving the pension insurance system.