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养老保险制度作为一种基本社会保障制度对家庭和个人有着重要作用,对国家和社会的长期稳定发展有着重大意义。在我国社会老龄化程度加剧,人口红利逐年消失,经济增速放缓,养老压力增大等问题的冲击下,我国养老负担正日趋加重,养老金制度改革已迫在眉睫。目前,我国经济发展已进入“新常态”阶段,谋求经济转型,不再把追求经济高速增长作为政策目标。探讨经济新常态背景下养老金制度改革面临的问题及对策有着重要的现实意义。
As a basic social security system, the pension insurance system plays an important role for families and individuals and is of great significance to the long-term stable development of the country and society. Under the impact of the aggravating social aging in our country, the demographic dividend year after year, the slowdown of economic growth and the increasing pressure on pension, the pension burden of our country is getting heavier and the reform of the pension system is imminent. At present, China’s economic development has entered a phase of “new normal”, seeking economic restructuring and no longer pursuing rapid economic growth as its policy goal. It is of great practical significance to discuss the problems and countermeasures that pension system reform faces under the new economic normal background.