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美国、瑞典养老保险制度的比较及对我国的启示
引用本文:王兰芳,周蕊.美国、瑞典养老保险制度的比较及对我国的启示[J].南京理工大学学报(社会科学版),2005,18(3):57-60.
作者姓名:王兰芳  周蕊
作者单位:南京理工大学,人文与社会科学学院,江苏,南京,210094
摘    要:美国和瑞典分别为投保资助型和全民福利型社会保障制度的国家典型。本文通过对这两个国家养老保险制度的比较,结合我国当前社会保障制度改革的状况,借鉴其成功经验与不足, 提出在我国目前情况下,必须构建多层次、全方位的养老保险体系;建立健全社会保障法规,严格基金管理制度,实现养老保障筹资方式从现收现付制向部分积累制的根本转变;大力整治现存体制中的拖欠、拒缴、逃避缴费现象,确保基金能够得到积累并进入良性循环。

关 键 词:养老保险制度  现收现付制  部分积累制

The Contrast of Old-age Insurance Systems in America and Sweden--A Useful Reference to Our Country
Wand Lanfang,Zhourui.The Contrast of Old-age Insurance Systems in America and Sweden--A Useful Reference to Our Country[J].Journal of Nanjing University of Science and Technology(Social Science),2005,18(3):57-60.
Authors:Wand Lanfang  Zhourui
Institution:Wand Lanfang Zhourui
Abstract:America and Sweden are typical countries, old-age insurance systems of which all feature financial-aided insurance and welfare given to the whole people although they have respective traits and merits. The old-age insurance system of our country, beyond doubt, must draw on the experiences of these two countries and, at the same time, consider the specific situation of our own. Under current circumstances in China, it is required to establish strict fund-supervising system to make sure that the fund can be accumulated smoothly. We must build up sound social security law and regulations in order to strongly realign default within existing structure, such as prolonging, refusing and evading to pay the fee. 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.
Keywords:old-age insurance system  pay as you go  part-funded pooling  
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