如何建立养老保险基金自求平衡机制

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1996年以来,海南省基本养老保险基金收入一直保持了总量增长的势头,而基金总支出也呈逐年增长的趋势。2002年基金总收入比1996年增长172%,年平均增长25%,而同期的基金支出增长也非常迅猛,2002年基金总支出比1996年增长138%,年平均增长20%。随着退休高峰期的到来,人口老龄化的速度加快,而参保扩面空间有限等原因,参保在职职工与退休领取养老金人员的赡养比越来越不合理,从1996年的3.4:1降至2002年的2.2:1。通过数据比较可以看出,养老保险基金财务收支风险极为严重,扣除财政补贴收入后的当期收支缺口更大。同时,当年基金支出比前一年度支出的增长幅度远远大于剔除财政 Since 1996, the income of the basic pension insurance fund of Hainan Province has maintained the momentum of the total increase, while the total fund expenditure has also been increasing year by year. Total fund income in 2002 increased by 172% over 1996, with an average annual increase of 25%. Over the same period, the growth of fund expenditures was also very rapid. In 2002, total fund expenditures increased by 138% over 1996, with an average annual increase of 20%. With the arrival of the peak of retirement, the aging of the population is accelerating and the space for insured expansion is limited and other reasons. Therefore, it is more and more unreasonable that the maintenance of serving staff and retirees receiving pension funds is more and more unreasonable. From 3.4: 1 to 2.2: 1 in 2002. Through data comparison, we can see that the financial income and expenditure of the pension insurance fund is extremely serious, and the current income and expenditure gap after deducting the financial subsidy income is even greater. In the meantime, the growth of fund expenditures over the previous year was much larger than that of excluding finance
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