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2011年6月1日,温家宝主持召开国务院常务会议,决定在全国范围内推动城镇居民社会养老保险。由此,中国养老保险体系的最后一块短板亦被补上。按照国务院2011年6月13日公布的《关于开展城镇居民社会养老保险试点的指导意见》(以下简称“《指导意见》”)框架,城镇居民社会养老保险制度的筹资模式、缴费标准,均复制了2009年开始的新农保制度——中央财政为主,提供每月最低55元的基础养老金,个人缴费与地方政府补贴形成个人账户,参保人年满60岁后,可按月领取养老金。而目前试点范围亦与新农保试点重合。按照国务院的计划,城镇居民养老保险与新农保试点将齐头并进,2011年内覆盖面达到60%。但城镇居民社会养老保险如何避免重蹈新农保中政府投入不足,参保积极性不高的覆辙,尚需配套措施。而该制度自身亦无法突破现有养老保险体系固有的个人账户保值压力大、甚至资金被挪用等体制缺陷。
On June 1, 2011, Premier Wen Jiabao chaired a State Council executive meeting and decided to promote the social pension insurance for urban residents nationwide. As a result, the last short piece of China’s pension system has also been replaced. According to the Guiding Opinions on Conducting the Pilot Project of Social Endowment Insurance for Urban Residents (hereinafter referred to as the “Guidance Opinion”) promulgated by the State Council on June 13, 2011, the mode of fund-raising, the payment standard, All copied the new system of agricultural insurance started in 2009 - the central government mainly provides a minimum monthly basis of 55 yuan of basic pension, individual contributions and local government subsidies to form a personal account, the insured person after the age of 60 can press Monthly pension. At present, the pilot area coincides with the pilot of the new agricultural insurance. According to the plan of the State Council, the pilot projects of urban residents’ endowment insurance and new rural insurance will go hand in hand, reaching 60% of the total in 2011. However, how to prevent the social pension insurance for urban residents from repeating the mistakes made by the government in the new agricultural insurance and the mistakes made in participating in the insurance industry are yet to be matched. The system itself can not break the existing personal insurance system inherent in the personal account holding pressure, and even misappropriated funds and other institutional defects.