摘要
对两种农民养老保险制度模式进行了比较,得出"精算型"制度无论在缴费还是养老金领取上都更为科学。但是"精算型"养老保险制度也存在着一些问题。文章试图建立考虑更多保险精算因素的被征地农民养老保险模型,测算得出如何在模型设计之初选择恰当的预定利率和未来通货膨胀率是模型最关键因素。最后建议引入专业的商业保险公司进行管理和拓宽资金运用渠道,并每隔3～5年及时调整模型的预定利率和通货膨胀率的设定。
There are two pension security systems in Hebei province,one is ＂actuarial mathematics＂model,the other is＂urban minimum living guarantee＂model.This paper compares the two models and the result is that＂actuarial mathematics＂model is more science in both payment and pension receiving.But＂actuarial mathematics＂model has some problems.This paper is trying to build the pension security system considering more insurance actuarial factors.Finally,it suggests to lead the commercial insurance company and broaden funds wielding channels,and adjust the model＇s predetermined interest rate and the inflation rate every 3 to 5 years.
出处
《人口与经济》
CSSCI
北大核心
2011年第2期56-61,68,共7页
Population & Economics
基金
秦皇岛市科学技术局2009年第一批科学技术研究与发展课题(200901A292)
关键词
被征地农民
养老保险制度
模式对比
精算模型
land-expropriated peasants
pension security system
comparing two models
actuarial mathematics model.
