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养老金的支付高峰,一般是伴随 着退休高峰的发生而发生 的。为应付即将到来的养老金支付高峰,在当前情况下,应着重研究以下问题: 一、基金积累多一点还是少一点 养老保险事业的发展有赖于社会经济的发达,这是应付支付高峰的基础和前提。有些人认为应留有足够的积累。足够的积累,对应付高峰无疑是有利的,但我国社会经济发展尚处于初级阶段,有些企业发放工资都十分困难,积累过多不仅不现实,而且不利于社会资金更多地用于投资从而滞缓经济发展,到头来对“白发浪潮”的冲击更是难于招架。结论应该是积累应该有,但要少一点。国家现行规定的积累率为收缴基数的2％,以便在遇有不可预见的困难时渡过难关之需,这是比较符合我国实际的。
The peak in the payment of pensions usually takes place with the peak of retirement. In order to cope with the peak of the upcoming pension payment, in the current circumstances, we should focus on the following issues: First, the fund accumulates a little more or less The development of the pension insurance depends on the social and economic development, which is the basis for paying the peak premise. Some people think that there should be enough accumulation. Adequate accumulation, undoubtedly beneficial to the peak, but China’s social and economic development is still in its infancy, some companies are very difficult to pay wages, the accumulation of too much is not only unrealistic, but not conducive to more use of social funds for investment so as to delay Slow economic development, in the end the impact of “white hair wave” is even more difficult to parry. Conclusion should be the accumulation should be, but less. The current rate of accumulation by the state is 2% of the base of collection, so that it can meet the needs of the storm in case of unforeseen difficulties, which is more in line with China’s reality.