作　　者： ;

机构地区： 暨南大学

出　　处： 《特区经济》 2013年第10期71-73,共3页

摘　　要： 退休制度和养老保险制度都是为了保障劳动者晚年生活而制定的,然而养老保险危机在多个国家出现并产生重大破坏,引起全球范围内的养老保险制度改革。退休年龄的改变往往是改革的重要内容。文章分别对现收现付制和完全积累制的养老保险基金进行了因素分析,肯定了提高退休年龄通过降低赡养率和被动率,分别可以改善现收现付制和完全积累制养老保险基金的收支状况,缓解养老保险危机。但是否实行提高退休年龄的政策,还要对社会、经济因素进行全面考虑。 Retirement system and social endowment insurance were both developed to maintain senior citi- zens＇ lives. As pension crisis arose in many countries and inflicted great damage, social endowment insurance systems were reformed worldwide. During these reforms, raising retiring age has always been deemed as an ef- fective technique. Based on the analysis of the ele- ments that affect social endowment funds balance in both immediate-collecting-and-paying mode and full- accumulation mode, this article confirms that raising retiring age is a way to decrease supporting rate and therefore improves pension crisis. However, if raising retiring age should be used to realize social endowment insurance funds balance in a country or area has also to be considered from other perspectives.

关 键 词： 养老保险 退休年龄 养老保险基金危机

领　　域： [经济管理]