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老龄化的袭来,引起了社会对社会保障模式的重新评估,现收现付制和基金制对经济的影响,结论不一。本文从现收现付制和基金制的运行机理出发,试图说明它们与资本积累的关系,并在此基础上,对我国的部分基金制进行解析。在分析了我国部分基金制的运行情况之后,本文认为部分基金制的“个人账户”的资本积累功能目前无法得到实际的发挥,而社会面临的收入差距大问题,使得现收现付还应是部分基金制中的侧重部分。
The coming of aging has given rise to social reassessment of the social security model. The impact of the pay-as-you-go system and the fund system on the economy has drawn mixed conclusions. Based on the operating mechanism of the pay-as-you-go system and the fund system, this paper attempts to explain their relationship with the accumulation of capital, and on this basis, analyzes some of the fund system in our country. After analyzing the operation of some fund systems in our country, this paper argues that the capital accumulation function of some fund-based “personal accounts ” can not be actually played out at present, and the problem of big income gap facing the society makes the pay-as-you-go Should be part of the fund system in the focus.