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由于养老保障责任不明、债务不清、运行机制不合理,当前我国基本养老保险制度已经陷入制度危机。按照十六届三中全会精神,当前应该通过对基本养老保险制度实行结构性调整,实现社会统筹与个人账户分账管理;进一步明确政府对社会统筹养老金的财政兜底责任和企业与职工对个人账户养老金的担保责任;最后通过实施做实个人账户、做大全国社会保障基金、做强养老基金给付能力,实现我国基本养老保险制度可持续发展。
Due to the unknown responsibility of old-age security, unclear debts and unreasonable operating mechanism, the current system of basic old-age insurance in our country has already fallen into a system crisis. According to the spirit of the Third Plenary Session of the 16th CPC Central Committee, we should make structural adjustments to the basic old-age insurance system so as to achieve social pooling and management of individual accounts. We will further clarify the financial responsibility of the government for social pooling of pensions, Finally, through the implementation of real personal account, expand the national social security fund, strengthen pension fund ability to pay to achieve the sustainable development of China’s basic pension insurance system.