我国基本养老金调整政策比较及优化研究  

Comparison and Optimization of Basic Pension Adjustment Plicies in China

作　　者：袁中美[1] Yuan Zhongmei

机构地区：[1]中国社会科学院金融研究所

出　　处：《兰州学刊》2018年第4期134-144,共11页

基　　金：国家自然科学基金项目"弹性退休政策调整的决策机理及约束条件研究"(项目编号:71373211)

摘　　要：历经连续十三年的养老金上调,我国基本养老金调整机制已具雏形,但目标定位不明确、地区间制度差异大、参数设计不合理等导致的平均替代率下降、财政负担增加、养老金上涨的非理性预期上升以及代际代内老龄化成本分担不均衡等负面影响逐渐显现。文章尝试从历史的视角分析我国不同省份、不同年份基本养老金调整政策的共同性和差异性,并结合实际运行评估其对基本养老金替代率、代际养老风险、基金财务平衡和政府财政负担等的影响效应。最后,从存量和增量两方面提出构建广义基本养老金自动调整机制的优化方案,力图为完善我国基本养老保险制度提供一些有益参考。Through continuous thirteen years pension up-regulation,basic pension adjustment mechanism in our country has a prototype. On account of the ambiguous target location,large differences between regions and unreasonable parameter design,the negative effects gradually revealed,such as the average replacement rate decreased,financial burden increased,irrational expectations of pension up-regulation rose,aging cost sharing between and inter generations unbalanced,etc. From the historical perspective,this paper tries to analysis the commonality and diversity of basic pension adjustment policies in different provinces and years. Combined with the actual operation,it evaluates the influential effects on the basic pension replacement rate,intergenerational pension risk,financial balance of pension fund and the government financial burden and so on. Finally,it puts forward the optimization scheme to build the generalized basic pension automatic adjustment mechanism from the aspects of stock and increment,aiming to provide some reference for improving basic pension system.

关 键 词：养老保险 基本养老金 风险分担 自动调整机制 

分 类 号：C913.6[经济管理]