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目前,我国社会养老保障制度实行现收现付制。随着社会经济的发展,我国人口的平均预期寿命普遍延长,同时,近二十年来为控制人口增长而实行的计划生育政策使得我国作为发展中国家将经历比发达国家更加迅速的人口老龄化,这将给我国社会养老保障制度造成沉重的负担。本文借鉴哈萨克斯坦养老金制度改革的成功模式,对我国当前实行的“现收现付制”所存在的问题进行了一定的探讨,同时建议我国的社会养老保障制度应尽快向个人积累性养老金制度转型。
At present, China’s social security system for the elderly pay-as-you-go system. With the development of society and economy, the average life expectancy of our population has generally extended. At the same time, the family planning policy implemented to control population growth in the past two decades has enabled our country, as a developing country, to experience a more rapid population aging than that of developed countries. This will create a heavy burden on China’s social pension system. This paper draws lessons from the success pattern of the reform of the pension system in Kazakhstan and probes into the existing problems of the “pay-as-you-go system” practiced in our country. At the same time, it suggests that the system of social pension insurance in our country should accumulate the individual as soon as possible Pension system transformation.