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我国目前的社会保障制度存在三个问题,一是覆盖面较小,二是社会化程度偏低,三是体系不健全。解决这些问题的根本出路在改革。我们认为,我国新的社会保障体系应包含以下三方面的基本原则:(1)建立全面的、多层次的社会保险体系;(2)城镇职工的养老保险缴款实行基准制,设立投保人的个人账户.保险金由雇主和职工个人共同负担;(3)社会保障的行政管理与社会保险基金的经营分开。
There are three problems in our country’s present social security system. One is that the coverage is relatively small, the second is the low level of socialization, and the third is the system is not perfect. The fundamental solution to these problems is reform. In our opinion, the new social security system in our country should include the following three basic principles: (1) establishing a comprehensive and multi-level social insurance system; (2) implementing a benchmark system for pension insurance contributions for urban workers and establishing policyholders Personal accounts. The insurance money is borne by the employer and the individual worker; (3) The social security administration is separate from the social insurance fund management.