社会养老保险个人账户改革影响下的性别利益差距分析——基于退休年龄和平均预期寿命视角  

Analysis on the Gender's Benefits Gap Influenced by the Reform of the Personal Account of Social Pension——From the Perspective of Retirement Age and Mean Lifespan

作　　者：徐凯赟[1] 

机构地区：[1]温州市委党校,浙江温州325000

出　　处：《浙江工贸职业技术学院学报》2012年第2期60-64,共5页Journal of Zhejiang Industry & Trade Vocational College

摘　　要：本文在介绍了我国社会养老保险个人帐户改革、"老化"的退休政策和持续攀升的平均预期寿命等相关背景的基础上,计算退休年龄与个人帐户金额之间的定量关系,以及个人帐户用完以后,个人从社会统筹基金领取金额的性别差距。通过计算发现,女性早退休使得个人帐户终身交纳金额、个人终身领取的个人帐户养老金总额和个人帐户养老金月领取金额都少于男性;男性60岁退休社会统筹基金支付的养老金数量少于女性55岁退休而多于女性50岁退休。Based on the introduction of the relative backgrounds of the personal account reform of the social pension insurance, the aging retirement policy and the continuously rising of the mean lifespan in our country, this essay introduced the quantitative relationship between the calculating of retirement age and the amount of money in personal account, and the gender gap in individual withdrawing social pooling amount when running out of personal account. According to the calculations, the author found that women＇s earlier retirement made them pay less lifelong payment amount in individual account and get less pension sum from their lifelong personal account and get less monthly-amount of personal account than men. The pension amount paid by social pooling amount when a man retires at 60 is less than a woman retires at 55, but more than a woman retires at 50.

关 键 词：个人帐户 退休年龄 平均预期寿命 

分 类 号：C913[经济管理]