英国养老保险签出制度的运行及对中国的借鉴

英国养老保险签出制度从1978年引入到现在经历了不断的改革,这一制度在减轻政府财政压力的同时,为民众提供了多样选择,鼓励民众为退休储蓄.经过了30年的发展,签出制度已经成为英国养老保险制度的重要组成部分.签出制度在给民众带来自由选择权的同时,也使整个养老制度复杂化,阻碍了退休储蓄,加剧了退休收益的不均等.我国可以借鉴英国的做法,设计"政府附加养老保险金",由地方政府负责实施,以体现不同地区因经济发展水平不同而产生不同的养老金需求水平.

The Operation of UK's Contracting-out Pension System and its Signification to China

UK's contracting-out pension system,introduced in 1978,has experienced a series of reforms.Its 30-year practice reduced the prospective costs of social security,provided more flexibility and individual choice in secondary pension provision,encouraged banking for retirement and now has become a very important part in UK's pension system,but at the same time it contributed to the complicated pension system of UK and led to undersaving and inequity of pensioners' income.This paper proposes that our government ...