摘要
由于人口老龄化和较高的工资替代率 ,城镇职工养老总额与职工工资总额的比例逐渐上升 ,因此 ,必须对我国的养老制度进行重构 :提高职工本人缴费数额 ,从现有的国有资产存量中“割一块”注入已退休职工和跨体制职工的养老金个人帐户。而改制成功必须具备三个条件 ,一是大力发展非银行金融机构确保养老金基金保值增值 ;二是发展补充养老保险与个人储蓄养老保险 ;三是要加强法制建设 。
The total amount of urban employee's endowment insurance is more increasing than that of wage for population aging and high wage substitutionrate. Chinese endowment insurance system needs to be restructured. A part asset, which is cut from of the state-owned, should be infused into the individual account that belongs to the retiree's endowment insurance, as well as , employees should increase the payment. This reform requires the development of non\|finance institution, complementary endowment insurance and correlative law.
出处
《人口学刊》
CSSCI
2000年第1期40-43,共4页
Population Journal
