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解读:老龄化程度加深,养老保险能否兜得住?

2016-12-23 09:42:27   

原标题:制度走向成熟 养老保险可靠(政策解读·聚焦中央经济工作会议)

资料来源:人力资源和社会保障事业发展“十三五”规划纲要

制图:张芳曼

中央经济工作会议明确,要按照统筹推进、重点突破的要求加快改革步伐,更好发挥改革牵引作用。其中,要推动养老保险制度改革,加快出台养老保险制度改革方案。

老有所养,是重大民生工程。养老保险制度改革将给人们生活带来哪些变化?对经济发展又会产生什么影响?老龄化程度加深,养老保险能否兜得住?

并轨扩面

养老改革啃下硬骨头

养老保险制度改革,关系着每个人年老后的生活,对经济发展有着重要影响。

“社会保障是国家治理体系与治理能力现代化的支柱性制度安排,肩负着维系国家长治久安与人民世代福祉的重大责任。而养老保险又是整个社会保障体系中的支柱性制度安排。养老保险改革无疑是全面深化改革中关键性、基础性重大改革项目。”中国社会保障学会会长郑功成认为。

把推动养老保险制度改革放在“更好发挥改革牵引作用”的重要位置,如何理解?

郑功成表示,养老保险制度对经济社会发展的牵引作用主要体现在三方面。一是化解养老后顾之忧,维护老年人生活质量,促进社会公正与文明进步。二是优化制度结构与功能,均衡并适度降低法定劳工成本,创造公平竞争市场环境。三是平滑个人收入,提振居民消费,持续助力经济增长。“养老保险制度改革有利于惠民生、促公正、稳预期、助发展,既是稳中求进的重要基石,又是稳中求优的重要方面。”

十八届三中全会明确,全面深化改革要建立更加公平可持续的社会保障制度。3年来,养老保险领域多项改革措施出台,啃下了不少硬骨头。

——由机关事业单位基本养老保险、企业职工基本养老保险和居民基本养老保险共同构成的法定养老保险体系正式形成。

——养老保险覆盖面取得新飞跃。2014年,启动实施全民参保计划;截至2016年9月底,领取养老金人数达到2.4亿人。

——养老保险基金投资机制明确。

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