延迟法定退休年龄的必要性分析

我国法定退休年龄偏低,职工缴纳养老保险费的年限偏短,而领取养老保险金年限偏长,一方面,引起赡养率上升,统筹养老保险基金入不敷出;另一方面,随着预期寿命的延长,退休职工人平均寿命将超出10年,个人账户面临长寿者支付风险。因此,延迟法定退休年龄成为改革的必然。借鉴国外做法,结合国情,建议我国应尽快延迟法定退休年龄,实行浮动退休制度。

Delaying guaranteed retire age's necessity analysis

The legal retirement age in our country is somewhat low, the staff pays cares for the aged the insurance premium age limit to be short, But receives cares for the aged the insurance money age limit to be long, On the one hand which causes the support rate rise, The overall plan old-age insurance fund is unable to make ends meet; On the other hand, Along with life expectancy extension, The average lifetime of the retired staff will surpass for 10 years, Individual account faced with longevity payment risk. Therefore, Lengthening the legal retirement age has to become the necessity of the reform. Considering the foreign procedure and our national condition, I suggest that our country should retard the legal retirement age as soon as possible, Practices the fluctuation retirement system.