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媒体:养老金个人账户空账4.7万亿 老了能领到吗?

2017-04-26 21:16:53   财经网

(原标题:养老金个人账户“空账”高达4.7万亿,我们老了还能领到吗?)

专家又敲响了养老金“警钟”。清华大学最新报告显示,养老保险基金已经出现当期的资金缺口,并动用累计结余来“保发放”,这意味着养老保险进入三级风险区(最高风险评级是四级)。

去年末发布的《中国养老金发展报告2016》也提出,2015年城镇职工基本养老保险个人账户累计记账额(即“空账”)达到4.7万亿元。而当年城镇职工养老保险基金累计结余额只有3.5万亿。

也就是说,即使把城镇职工基本养老保险基金的所有结余资金都用于填补个人账户,也仍然会有1万多亿的差额。

养老金的真实情况如何?为何会越来越不够用?我们老了还能领养老金吗?

总体有盈余,但“入不敷出”的省份在增加

由于补充养老保险和个人养老保险并不普及,一般谈到养老金,多指国家强制的基本养老保险,包括城镇职工基本养老保险、机关和事业单位养老保险、城乡居民基本养老保险三种类型。

截至2016年末,我国基本养老保险覆盖人数超过8.8亿。从全国情况来看,养老金的总收入大于总支出,还有不少结余。根据人社部提供的数据,2016年,全国城镇职工基本养老保险基金的总收入是2.84万亿元,总支出是2.58万亿元,当期结余是2600多亿元,累计结余是3.67万亿元,可以确保17个月的支付。

但是,由于目前我国养老保险主要是省级统筹,各省之间养老保险基金的运行差异比较大。人社部部长尹蔚民称,高的省份,能够保障50个月的支付,特别困难的省份,当期收不抵支,累计结余也基本上用完。

人社部部长尹蔚民

根据人社部发布的《中国社会保险发展年度报告2015》显示,2015年,黑龙江、辽宁、吉林、河北、陕西和青海共六省份的城镇企业职工养老保险基金当期收不抵支。其中,黑龙江收入比支出少183亿元,辽宁、吉林也收支相差105亿元、41亿元。即便是养老保险基金累计结余最多的广东,粤东西北多个市也出现严重收不抵支。

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