| 经济转轨过程中养老保险制度改革的思考 |
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| 引用本文： | 周淑慧,仝义新. 经济转轨过程中养老保险制度改革的思考[J]. 华北水利水电学院学报(社会科学版), 2002, 18(1): 13-14 |
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| 作者姓名： | 周淑慧 仝义新 |
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| 作者单位： | 华北水利水电学院,经济管理系,河南,郑州,450008;中央财经大学,研究生部,北京,100081 |
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| 摘 要： | 计划经济体制下的养老保险制度是国家保障型的养老保险制度,养老保险的计发采用统一或基本统一的应计收益公式,即零或几乎为零的边际收益率 。经济转轨过程中,为了提高社会保障的边际效率,需要对享受养老金待遇进行改革。养老保险制度可以由自愿的私人保险和退休基金提供必要的补充。私营养老保险基金通过分摊率的竞争,可以大大提高养老保险的经营效益。
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| 关 键 词： | 养老保险制度 养老金 私人保险 社会保障 退休基金 |
| 文章编号： | 1008-4444(2002)01-0013-02 |
| 修稿时间： | 2001-10-31 |
Endowment Insurance Reforms in Economic Transition |
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| ZHOU Shu-hui,TONG Yi-xin. Endowment Insurance Reforms in Economic Transition[J]. Journal of North China Institute of Water Conservancy and Hydroelectric Power(Social Sciences Edition), 2002, 18(1): 13-14 |
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| Authors: | ZHOU Shu-hui TONG Yi-xin |
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| Affiliation: | ZHOU Shu-hui1,TONG Yi-xin |
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| Abstract: | The endowment insurance system in planned economy is ensured by the state. The calculation and distribution of old age pension adopt the unified earning formula, that is, zero or almost zero marginal earning rate. In the economic transition, in order to increase the marginal efficiency of the social insurance, we should reform the endowment insurance system. The endowment insurance system should consist of voluntary private insurance and retirement funds. Private endowment insurance funds, through the share rate competition, can greatly increase the operational benefits of endowment insurance. |
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| Keywords: | endowment insurance system old age pension private insurance social insurance retirement funds |
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