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完善社会保障试点方案中在养老保险领域的新进展主要表现为 :首次明确社会统筹基金和个人账户基金实行分开管理 ;降低个人账户的资金比例 ,个人账户将只由职工个人缴纳 ,企业不再缴纳 ;明确提出建立企业年金 ,并首次明确了企业年金的资金来源和运行模式。试点方案仍存在未能解决的问题 ,如公务员与事业单位养老保险制度改革、个人账户基金的保值增值机制、个人账户的支付方式、“中人”的欠账问题等。试点地区应当在落实已明确的政策的基础上 ,对尚存在的问题有所探索 ,以加快完善养老保险制度的步伐。
Improve social security pilot programs in the new progress in the field of endowment insurance are mainly manifested as follows: for the first time a clear social pooling funds and individual account funds to implement separate management; to reduce the proportion of personal accounts of funds, personal accounts will be paid only by individual workers, enterprises no longer pay ; Clearly proposed the establishment of enterprise annuity, and for the first time clearly defined the source of funds and operating mode of annuity. The pilot program still has problems that can not be solved, such as reform of the pension insurance system for civil servants and public institutions, the preservation and appreciation mechanism of personal account funds, the payment method of personal accounts, and the problem of the debts of “Zhongren”. The pilot areas should, based on the implementation of the explicit policies, explore some existing problems so as to speed up the perfection of the pension insurance system.