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为了让穷人真正摆脱贫穷,就要使其不仅拥有收入,还要拥有资产。本文基于美国学者谢若登的三种福利模型理论,解读美国“雇员持股计划”、新加坡“中央公积金”制度和中国“呼图壁经验”的实践意义,提出将资产建设引入社会保障领域,从资产的形成、保值增值和转化三个方面建立完善相关政策。这既可以解决庞大的社会保险基金保值增值的难题,也可以使社会弱势群体成员拥有资产性收入。
In order for the poor to truly escape poverty, they must not only have income but also assets. Based on the three welfare model theories of American scholar Xie Ruodeng, this article interprets the practical significance of the “Employee Stock Ownership Scheme”, the “Central Provident Fund” system in Singapore and the “Hutubi Experience” in China, and proposes to introduce asset construction In the field of social security, we have set up and perfected relevant policies in three aspects: the formation of assets, the preservation and appreciation of value, and the transformation. This can not only solve the problem of huge social insurance funds’ value preservation and appreciation, but also enable members of the socially disadvantaged groups to have asset income.