提高我国养老保险退休年龄的相关研究——财务平衡下对缴费率影响的定量分析  

A Research on Increase of Retirement-Age ——A Quantitative Study of Impact on Contribution Rate Under Financial Balance

作　　者：饶茜[1] 江文昶[2] 姜宇[3] 

机构地区：[1]重庆大学经济与工商管理学院,重庆400030 [2]山东大学经济学院,山东济南250014 [3]财政部社会保障司,北京100820

出　　处：《财经问题研究》2005年第1期64-70,共7页Research On Financial and Economic Issues

摘　　要：目前,中国人口在60岁时的预期平均余命为16年。为了解决未来老龄化将非常严重的问题,我国将现收现付制和个人积累制相结合的混合制确定为养老保险制度改革的目标模式。本文在部分积累制的财务平衡模型的基础上,定量分析了提高退休年龄对缴费率的影响。最后得出结论:延长退休年龄能有效延迟高缴费率的到来。Nowadays, Chinese people can expectedly live average more 16 years when they are 60 years old. In order to deal with the serious problem of agedness, Chinese government chooses the compounded model of pay-as-you-go and fully-funded as the aimed model of pension reform. On the basis of financial balance on half-funded pension, this paper quantitatively analyses the impact of increase of retirement age on the contribution rate. Then the result is that extended retirement age can efficiently delay the appearance of high contribution rate.

关 键 词：财务平衡 部分积累制 养老保险 交费率 退休年龄 

分 类 号：F034.3[经济管理—政治经济学] F840.67