本文選題：養(yǎng)老金缺口　切入點(diǎn)：風(fēng)險(xiǎn)緩釋策略　出處：《華東理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：本文以中國逐漸進(jìn)入老齡化社會(huì),養(yǎng)老缺口不斷擴(kuò)大,政府近幾年試探性提出延遲退休年齡,并因此引發(fā)的養(yǎng)老金管理問題為主要研究對象,從分析養(yǎng)老金缺口產(chǎn)生的原因入手,并輔以抽樣調(diào)查及數(shù)據(jù)分析,找出延遲退休不能從根本上解決問題,提出系統(tǒng)化的解決辦法和建議。全文共分四大部分。 全文首先對中國養(yǎng)老保障現(xiàn)狀進(jìn)行分析,從我國養(yǎng)老保障制度設(shè)計(jì)的源頭著手,找出養(yǎng)老金缺口產(chǎn)生的真正原因以及缺口未來的擴(kuò)大趨勢,為進(jìn)一步的分析打下基礎(chǔ),也使本文的研究更具有緊迫的現(xiàn)實(shí)意義。其次,提出問題,延遲退休能否解決養(yǎng)老保障缺口問題,對提出延遲退休年齡的背景、延遲退休的利弊進(jìn)行分析,通過數(shù)據(jù)模型測算,得出目前養(yǎng)老保障制度實(shí)際上激勵(lì)職工提前退休,整體上與希望推出的延遲退休新政策存在錯(cuò)配風(fēng)險(xiǎn)。進(jìn)而得出,SX地區(qū)延遲退休緩釋養(yǎng)老金缺口風(fēng)險(xiǎn)的策略。第三,對國外養(yǎng)老金制度及現(xiàn)狀進(jìn)行分析,進(jìn)一步梳理中國養(yǎng)老金缺口與國外缺口形成的差異,以及國家間經(jīng)濟(jì)發(fā)展處于不同階段,中國不能簡單模仿國外延遲退休年齡。 最后,本文提出從綜合、系統(tǒng)解決問題的角度提出解決SX地區(qū)缺口風(fēng)險(xiǎn)的措施建議：一是轉(zhuǎn)變政府管理理念,發(fā)揮政府的主導(dǎo)作用。二是積極發(fā)展老年型服務(wù)產(chǎn)業(yè),完善養(yǎng)老保障制度；三是整合碎片化社保制度,建立統(tǒng)一的繳費(fèi)制度；四是完善人員跨區(qū)域轉(zhuǎn)移制度,鼓勵(lì)擴(kuò)大社保覆蓋范圍,以緩釋養(yǎng)老金缺口的風(fēng)險(xiǎn)管理策略。
[Abstract]:In this paper, China has gradually entered an aging society, and the gap between the aged and the elderly has been widening. In recent years, the government has tentatively proposed to delay the retirement age, and the pension management problem caused by this has been taken as the main research object. Based on the analysis of the causes of the pension gap and the sample survey and data analysis, the paper finds out that delayed retirement can not solve the problem fundamentally, and puts forward systematic solutions and suggestions. The paper is divided into four parts. First of all, this paper analyzes the current situation of China's old-age security, starting from the source of the design of China's old-age security system, finds out the real causes of the pension gap and the future expansion trend of the gap, and lays a foundation for further analysis. It also makes the research of this paper more urgent and practical significance. Secondly, put forward the question whether delay retirement can solve the problem of pension security gap, analyze the background of putting forward the delayed retirement age, the advantages and disadvantages of the delay retirement, and calculate through the data model. It is concluded that the current old-age security system actually encourages workers to retire early, and there is a risk of mismatch with the new policy of delayed retirement, which is expected to be introduced. Furthermore, the strategy of slow release of pension gap risk of delayed retirement in SX area is obtained. Third, This paper analyzes the pension system and its present situation in foreign countries, further combs the difference between the gap of pension in China and the gap in foreign countries, and the economic development of different countries is in different stages, China cannot simply imitate the delayed retirement age abroad. Finally, this paper puts forward some measures to solve the gap risk in SX area from the angle of comprehensive and systematic solution: first, to change the concept of government management and give play to the leading role of the government; second, to actively develop the elderly service industry. Improve the old-age security system; third, integrate the fragmented social security system, establish a unified payment system; fourth, improve the personnel transregional transfer system, encourage the expansion of social security coverage, in order to slow release pension gap risk management strategy.
【學(xué)位授予單位】：華東理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.67;F249.2

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