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我国现行的养老保险制度实行的是部分积累制,但实际上却陷入了现收现付制的模式。自我国改革开放以来,人口老龄化压力逐渐加大。老年人口的增多、退休时间的延长会导致养老保险体系减收增支,因此我国部分地区已经不同程度地面临着收不抵支的问题。我国养老保险体系目前面临的一个关键问题也正是如何缩小养老保险基金收支缺口。一、解决养老保险基金平衡问题的必要性养老保险问题从根本上讲其实是个经济问题,而养老保险基金体系要适应社会和谐进步和经济的可持
The current system of endowment insurance in our country is a partial accrual system, but in fact it is caught in the pay-as-you-go model. Since the reform and opening up of our country, the pressure of population aging has gradually increased. The increase of the elderly population and the prolongation of retirement time will lead to the increase of the pension insurance system. As a result, some regions of our country have faced the problem of being unable to pay off in varying degrees. One of the key issues currently facing China’s pension insurance system is how to narrow the gap between pension income and expenditure. First, the need to solve the pension fund balance problem The issue of pension insurance is fundamentally an economic issue, but the pension insurance fund system to adapt to social harmony and progress and economic sustainability