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基于农民工养老保险政策所面临的约束条件和制度环境,参照国际养老金制度的改革动向,提出了建立农民工养老保险的政策思路,即采用“个人账户(空帐)与现收现付的财务机制相结合”的制度模式,认为现收现付的筹资模式与DC型给付计划相结合,是在中央政府的引导性政策方案基础上所做的有益尝试。
Based on the constraints and institutional environment faced by migrant workers’ endowment insurance policies and with reference to the reform trend of the international pension system, the policy idea of establishing endowment insurance for migrant workers is put forward, that is, adopting “individual accounts (empty accounts) and pay-as-you-go Combined with the financial mechanism ”system model, that the pay-as-you-go fund-raising model and the DC-based payment plan is a beneficial attempt based on the central government’s guiding policy program.