论文部分内容阅读
传统投资渠道的局限性导致我国基本养老保险基金面临巨大的保值增值压力。研究发现,除政府主导的助学贷款计划以外,由养老基金提供高等教育助学贷款不仅与其安全性、长期性和收益性的投资原则相契合,而且能够带来劳动者高等教育机会公平和生命周期消费资源配置效率的双重改进。通过测算并对比高中学历与大专、本科及研究生学历劳动者的工资收入及个人账户养老金水平,发现由养老基金向高中学历劳动者提供高等教育助学贷款可以显著提高其劳动工资和个人账户养老金,而且资助的教育程度越高,工资和养老金的增加就越明显。基于此,建议发展养老基金作为政府高等教育助学贷款计划的补充,并放开申请人的身份限制、适当提高贷款额度。
The limitations of traditional investment channels lead to our country’s basic pension insurance funds face tremendous pressure to maintain and increase value. The study found that, in addition to the government-sponsored student loan program, providing higher education student loans by pension funds is not only compatible with its investment principles of safety, long-term and profitability, but also brings about equal opportunities for workers in higher education and life Double improvement of periodic consumption resources allocation efficiency. By measuring and comparing the salary of high school graduates with those of college, undergraduate and graduate students and the pension level of individual account, it is found that providing higher education student loans to senior high school education workers by pension funds can significantly increase their labor wages and pension of personal accounts Gold, and the higher the level of education funded, the greater the increase in wages and pensions. Based on this, it is suggested that the pension fund should be supplemented as a government loan for higher education student loan scheme, and the applicant’s identity restrictions should be liberalized and the loan amount appropriately raised.