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本文通过对养老金缺口状况的考察与分析,认为加强政府责任,提高政府补贴,提高养老金统筹层次和做实个人账户是弥补养老金缺口的关键,同时就我国严重的养老金缺口问题,有针对性地提出了几点启示,即养老保障制度改革应体现相对的独立性、政府应厘清各级责任、提高养老金统筹层次政府应具有超前理念和某种强制措施、个人账户资金应加强投资人的监管力度等。
Based on the investigation and analysis of the pension gap, this paper argues that the key to making up for the pension gap is to strengthen government responsibility, improve government subsidies, raise pension pool level and implement personal accounts. At the same time, in view of the serious pension gap in our country, there are Proposed some enlightenment, that the reform of the pension system should reflect the relative independence, the government should clarify the responsibilities at all levels, improve the overall level of pensions government should have the concept of advanced and some coercive measures, individual account funds should be to strengthen investment People’s supervision and so on.