中外养老保险运营效率的比较与启示

经济理论与经济管理 ›› 2011, Vol. 31 ›› Issue (3): 56-63.

中外养老保险运营效率的比较与启示

刘钧

中央财经大学保险学院, 北京 100081

收稿日期:2011-01-12 出版日期:2011-03-16 发布日期:2011-06-10
作者简介:刘钧(1968- ),女,内蒙古海拉尔人,中央财经大学保险学院副教授,经济学博士.

COMPARISON AND ENLIGHTENMENT OF PENSION SYSTEM'S OPERATION EFFICIENCY IN CHINA AND OTHER COUNTRIES

LIU Jun

School of Insurance, Central University of Finance and Economics, Beijing 100081, China

Received:2011-01-12 Online:2011-03-16 Published:2011-06-10

摘要/Abstract

摘要： 完善养老保险制度,提高制度的可转移性,降低制度的管理成本,是提高养老保险运营效率的核心问题。本文从比较中外养老保险的运营效率出发,探讨了我国城镇企业职工基本养老保险制度改革的缺陷和不足,提出了简化养老保险制度、提高制度运营效率的构想,并对构想的可行性进行了分析。本文研究的目的是提醒政府有关管理部门简化制度设计,提高养老保险的运营效率,切实保障退休人员的基本生活。

关键词: 运营效率, “统账结合”的养老保险制度, 个人账户

Abstract: The core of promoting China's operation efficiency of pension system is consummating pension system,improving the transferability of the system and reducing the cost of management.Based on the comparison of pension system's operation efficiency between China and other countries,the paper explored drawbacks and deficiencies existed in the reformation of the system in our country,proposed an idea to simplify the system and improve the operation efficiency,and made a feasibility analysis for this idea.The major purpose of this paper was to remind the government department to simplify the system design,improve operation efficiency of pension system and fully ensure the basic livelihoods for all retirees.

Key words: operation efficiency, combination of social pooling with individual account, individual account

中图分类号:

F840.67

刘钧. 中外养老保险运营效率的比较与启示[J]. 经济理论与经济管理, 2011, 31(3): 56-63.

LIU Jun. COMPARISON AND ENLIGHTENMENT OF PENSION SYSTEM'S OPERATION EFFICIENCY IN CHINA AND OTHER COUNTRIES[J]. Economic Theory and Business Management, 2011, 31(3): 56-63.

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