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中国养老保险制度改革经过了二十多年的发展历程,现在已经建立了比较成熟的城镇养老保险体系。虽然它覆盖了全部国有企业、部分集体企业以及其他类型企业的职工,但是,个体工商户、灵活就业人员、农民工等从业人员的覆盖面却很小。辽宁试点对个体工商户等从业人员加入养老保险进行了明确规定并降低了缴费标准,但扩大覆盖面的工作仍然裹足不前。本文结合辽宁试点的具体实践,对城镇社会养老保险扩大覆盖面遭遇的瓶颈问题进行分析,并提出相关的政策建议。
After more than two decades of development, the reform of China’s pension insurance system has now established a relatively mature urban pension insurance system. Although it covers all workers in state-owned enterprises, some collective enterprises and other types of enterprises, the employment coverage of individual industrial and commercial households, flexible employed persons and migrant workers is very small. Liaoning pilot scheme has explicitly stipulated the pension insurance for individual industrial and commercial households and other employees and reduced the payment standard, but the work of expanding coverage is still not enough. Based on the concrete practice of Liaoning pilot, this paper analyzes the bottlenecks encountered in expanding the coverage of urban social pension insurance and puts forward relevant policy suggestions.