不同群体对中国养老保险体系选择的经济学分析  

Econmical Analysis on the Choice of Different Groups on Pension System in China

作　　者：徐梅[1] 邱长溶[1] 

机构地区：[1]西安交通大学经济与金融学院

出　　处：《数量经济技术经济研究》2006年第4期22-29,共8页Journal of Quantitative & Technological Economics

摘　　要：本文将收入分配因素引入代蒙德世代交叠模型,推导出在个人效用最大化目标下,不同群体对现收现付制与基金制混合的养老保险规模和构成变化有不同的偏好。用这一框架分析我国养老保险体系得出的结论是,我国由于收入差距的扩大,低收入人口增加,社会要求有更大比例现收现付制的养老保险体系;老龄化问题出现时,加剧了社会对养老保险规模和现收现付制的更高要求。因此,在老龄化问题无法避免的情况下,缩小收入差距成为减少养老保险的社会和财政负担的一条有效途径。In this paper, the income redistribution was considered in the Diamond overlapping generations model. Based on the objection of an individual＇s utility, heterogeneous individuals have different attitudes to the change of the size of pension and the share of social pooling in pension, which comprised with the pay - as - you - go and the fully funded. On the analysis of the income differential and aging in China, the greater the inequality of pre - tax income within the young generationis, the share of the pay - as - you - go in pension is larger; the greater the proportion of elderly people in populationis, the size of pension and the share of the pay - as - you - go in pension both are larger. So, facing to the trend of aging, China should try to mitigate the income differential in order to lighten the political and economical burden of pension.

关 键 词：养老保险 统筹比率 代蒙德世代交叠模型 收入再分配 个人效用 

分 类 号：F840.67[经济管理—保险]