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如果现收现付制存在巨大缺口,如果完全的基金积累制尚不可行,有没有一个绕过现阶段中国金融市场和行政管理能力制度瓶颈,兼顾现实与未来的社保制度设计?那就是现在众多社保专家看好的——记账式个人账户养老金制度(NDC),它的优势在于不受金融市场和行政管理能力不足的制约,更为重要的也许是记账式账户的方式,可以缓解中国当前养老金支付缺口所带来的巨大财政压力。但同时也有很多专家反对原因是多方面的,那么我国社保改革最后会怎么样呢?人们拭目以待……
If there is a huge gap in the pay-as-you-go system, if a complete system of fund accumulation is not feasible, is there a system designed to circumvent the bottleneck in the current system of financial markets and administrative capabilities in China and give consideration to reality and the future? Social security experts are optimistic - the bookkeeping personal account pension system (NDC), its advantage is not restricted by the lack of financial markets and administrative capacity, more importantly, may be a book-keeping account of the account, you can ease China The huge financial pressure from the current pension gap. But at the same time, there are many experts who oppose the reasons for many reasons. What will happen to the reform of social security in our country? People will wait and see ...