摘要
以智利为首的拉丁美洲国家一直是成功实施个人账户养老金制度的典范,但2008年金融危机后再次国有化改革的逆转使得很多学者和政策制定者开始重新审视养老金私营化改革模式的发展和走向。因此,基于后金融危机时代智利养老金制度改革的动因,文章梳理了其在完善多层次养老保障体系、提高养老基金管理效率、强化个人养老责任和激励延迟退休等方面的创新举措,并结合实际运行数据对政策效果进行评价。同时,分析了智利养老金制度存在的潜在风险,从而得出促进我国个人账户养老金制度可持续运营的一些经验启示。
Latin American countries led by Chile have been the successful model of individual account pension system,but after 2008 financial crisis,the reversal of re-nationalization reform made more and more scholars and policy makers began to re-examine the development and direction of pension privatization reform mode. Therefore,based on the drivers of Chile’s pension reform in the post-financial crisis era,this paper reviews its innovative measures in completing the multi-level pension security system,improving the efficiency of pension fund management,strengthening individual pension responsibility and encouraging delayed retirement,etc. Then,combined with the actual operation data,it evaluates the policy effects and analyzes the potential risks of Chile’s pension system. Finally,some experiences and enlightenments about how to promote the sustainable operation of individual account pension system in China are concluded.
作者
袁中美
郭金龙
Yuan Zhongmei;Guo Jinlong
出处
《兰州学刊》
CSSCI
2019年第12期198-208,共11页
基金
国家社会科学青年基金项目“财税政策支持下我国养老保障资源配置优化研究”(项目编号:19CSH072)
重庆工商大学博士科研启动项目“城乡居民养老保险基础养老金动态调整机制研究”(项目编号:1853080)
青年项目“财税支持对养老服务资源配置的影响效应及协同优化研究”(项目编号:1951004)
关键词
私营化改革
个人账户
养老金
风险
privatization reform
individual account
pension
risk
