美国、瑞典、新加坡养老保障制度比较及对我国的启示

美国、瑞典和新加坡三国养老保障制度是投保资助型、全民福利型及强制储蓄型三种养老保障体制的典型代表国家,且各具特色,各有所长。在借鉴别国养老保障制度的基础上,结合我国具体国情,博采众长,阐明我国在社会主义市场经济体制下的社会养老保险制度,其筹资模式要实行现收现付制向部分积累制的根本转变、养老基金要实行统帐结合和分开管理的原则、退休年龄要适当延长以缓解人口老年化的压力,养老保险要建立多层次的层层设保的体系。

The Contrast of Old-Age Insurance Systems from America, Sweden and Singapore--A Useful Reference to Our Country

America, Sweden and Singapore are typical countries, old-age insurance systems of which all feature financial-aided insurance, welfare given to the whole people and compulsory savings although they have respective traits and merits. The old-age insurance system of our country, beyond doubt, must draw on the experiences of these three countries and, at the same time, consider the specific situation of our own. The pattern of raising fund should shift from pay-as-you-go to partial accumulation, combining overall social planning with personal accounts and managing separately. And the age of retirement should be postpone properly so as to relieve the pressure of population aging