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我国企业职工基本养老保险实行“社会统筹与个人帐户”相结合的制度,但在实际操作中形成了“个人帐户”空帐运行。如何使个人帐户逐渐由“空帐”向“实帐”转变,促进养老保险在长期战略上的收支平衡。本文从影响养老保险基金收支平衡的因素以及解决问题对策进行了综合分析。
The basic old-age insurance for employees of enterprises in our country implements the system of “social pooling and personal account”, but in the actual operation, it forms a “personal account ” with empty account operation. How to make the personal account gradually change from “vacant account” to “actual account” to promote the long-term strategic balance of pension insurance. This article makes a comprehensive analysis of the factors that affect the balance of payments of endowment insurance funds and the solutions to the problems.