摘要
20世纪80年代,智利对养老金制度实行了个人缴费、个人所有、完全积累、私人机构运营的改革,掀起了全球范围的社会保障改革浪潮,同时也引发了对社会保障私有化的讨论。文章认为,在改革过程中,对私有化还存在一些不正确的认识,主要表现为:(1)认为现收现付制度已经破产;(2)认为基金积累制下的缴费率要低于现收现付制;(3)认为基金积累比现收现付更能提高国民储蓄、促进经济增长;(4)认为基金积累比现收现付收益高、风险低;(5)认为基金积累制比现收现付制度更公平。
In the 1980s,Chile started its reform on pension system by adopting individual-funded, individual-owned, fully-funded and private-operation methods , which triggered off the world-wide social security system reform, while resulting in the discussing of the social security privatization. The paper shows that there are still some misunderstandings in this progress, which hold that pay-as-you-go system has been bankrupted; the contribution rate of funded system is lower than that under the pay-as-you-go system; the funded system performs better to enhance savings ratio and economic growth than the pay-as-you-go does; the funded system has higher returns and lower risks than the pay-as-you-go system does, and it is fairer.
出处
《中国人口科学》
CSSCI
北大核心
2005年第4期22-31,共10页
Chinese Journal of Population Science
