参加城镇职工基本养老保险划算吗?——谈城镇职工基本养老保险的投入产出  

Is it Beneficial to Participate in the Basic Old-age Insurance System for Urban Workers?

作　　者：薛惠元[1] 王帆[1] 

机构地区：[1]武汉大学社会保障研究中心,湖北武汉430072

出　　处：《经济与管理》2016年第6期50-57,共8页Economy and Management

基　　金：中国博士后科学基金特别资助项目(2013T60748);中央高校基本科研业务费专项资金资助项目(410500078)

摘　　要：当前,部分民众对参加社会保险是否划算尚存在疑问。以城镇职工基本养老保险为例,选取养老金净转入额、投入产出比、投资回收期三个指标构建模型进行测算发现:不论是企业职工还是灵活就业人员,参加城镇职工基本养老保险都是一项划算的选择;并且企业职工和灵活就业人员的养老金净转入额与缴费年限、缴费基数呈正相关,投入产出比与缴费年限、缴费基数呈负相关,投资回收期与缴费年限呈负相关,与缴费基数呈正相关。因此,应加大宣传力度,提高公众对社会养老保险的认知度;健全多缴多得、长缴多得的缴费激励机制;建立基本养老金正常调整机制;提高法定最低缴费年限;严格控制提前退休,延迟退休年龄并实行弹性退休制。At present, some people doubted whether it is worthy to participate in social insurance system. This paper takes the basic old-age insurance system for urban workers as an example,and chooses three indicators including net transferred amount of pension, input-output ratio and payback period of investment to establish models and calculate. The results show that it is a cost-effective selection of participating in the basic flexible workers, the pension transferred amount of enterprise old-age insurance system whether for enterprise workers or for workers and flexible workers is positively correlated with the contribution years and the contribution base, the input-output ratio is negatively correlated with the contribution years and the contribution base. So we should increase the publicity dynamics, enhance public awareness of the social old-age insurance system, strengthen the contribution incentive mechanism of ＂more pension for more contribution and more pension for longer contribution＂, establish the normal adjustment mechanism of basic pension, raise the statutory minimum contribution years, control the early retirement strictly, delay the retirement age and implement flexible retirement system.

关 键 词：城镇职工基本养老保险 净转入额 投入产出比 投资回收期 

分 类 号：F840.612[经济管理—保险]