养老保险异地转移瓶颈问题的思考  

The old--age insurance different shifts the bottleneck question the ponder

作　　者：邹香[1] 

机构地区：[1]江苏省淮安市淮阴工学院,淮安223001

出　　处：《中国经济与管理科学》2008年第5期100-101,103,共3页Chinese Economy Management Science Magazine

摘　　要：养老保险是国家和社会根据一定的法律和法规，为解决劳动者在达到国家规定的解除劳动义务的劳动年龄界限，或因年老丧失劳动能力退出劳动岗位后的基本生活而建立的一种社会保险制度。目的是为保障老年人的基本生活需求，为其提供稳定可靠的生活来源。目前，按照国家对基本养老保险制度的总体思路，未来基本养老保险目标替代率确定为58．5％。然而，对于异地频繁流动人员而言，目前的养老保险制度还达不到保障广大退休人员的晚年基本生活的主要目的，原因在于养老保险异地转移还存在统筹层次、地方利益保护的障碍。那么解决的办法主要是提高统筹层次，打破地方保护的狭隘思想、扩大社会保险覆盖面、加快社会保障信息化的建设、加强立法等。The old--age insurance is national and social basis certain law and the laws and regulations, for solves the worker in to achieve the country stipulates relieves the work duty the working age boundary,after because or old loses one kind of social insurance system which the ability to work withdrawal work post the basic life establishes. The goal is for safeguards senior citizen＇s basic life demand, provides the stable reliable source of income for it. At present, according to the country to the basic old--age in- surance system overall mentality, future the basic old--age insurance goal substitution rate determination will be 58.5%. However, speaking of the different frequent flowing personnel, the present old--age insurance system could not achieve the safeguard general retirement personnel＇s old age basic life main purpose, the reason lies in the old--age insurance differently to shift also has the overall plan level, the place benefit protection barrier. Then solves the means mainly enhance the overall plan level, breaks the place protection the narrow thought, the expansion social security coverage, speeds up the social security informationization the construction, the enhancement legislation and so on.

关 键 词：养老保险 内涵 特点 问题 对策 

分 类 号：F840.67[经济管理—保险]