基于平均余命的中国养老金个人账户缴费率研究

平均余命是影响个人账户缴费率的重要因素之一。在退休人口平均余命逐步延长的趋势下,现行缴费率下的个人账户养老金积累额不能满足退休人口平均余命期间的支付需求,不能保障基本生活需要。如果不能及时依据平均余命适当调整个人账户缴费率,退休人口将面临因长寿风险而陷入生活贫困的境遇。本文测算了平均余命提高条件下中国2000~2050年个人账户缴费率的上限值与下限值范围,分析了职工个人缴纳养老保险费的经济承受能力,并提出了若干建议。

Individual Pension Contribution Rate by Average Life Expectancy in China

In China,average life expectancy is one of key factors related closely with individual pension contribution rate.As recent years life expectancy is increasing gradually,present individual pension contribution rate has proved to be inappropriate and needs to be raised,otherwise the retired will become another economically disadvantaged groups.This paper provides,for policy-makers' reference,the upper bound and lower bound of individual pension contribution rate during 2000-2050 with consideration of people's economy bearing capacity.