| 基于可持续性的养老保险个人账户目标模式 |
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| 引用本文： | 郑春荣.基于可持续性的养老保险个人账户目标模式[J].财经研究,2008,34(2):99-108. |
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| 作者姓名： | 郑春荣 |
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| 作者单位： | 上海财经大学公共经济与管理学院,上海,200433 |
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| 摘 要： | 养老保险个人账户的模式有完全积累制和名义账户制等。文章从社会整体、投资收益率、社会总福利和动态发展等四个角度,分析了各种养老保险模式的优劣,并提出:当前我国可实施名义账户制;在未来,在我国储蓄率和人口结构发生变化后,可适时调整养老保险制度的模式。
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| 关 键 词： | 养老保险 个人账户 名义账户制 |
| 文章编号： | 1001-9952（2008）02-0099-10 |
| 收稿时间： | 2007-11-20 |
| 修稿时间： | 2007年11月20 |
The Target Pattern of Individual Pension Accounts Based on the Gradualness Rules and Sustainable Development |
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| ZHENG Chun-rong.The Target Pattern of Individual Pension Accounts Based on the Gradualness Rules and Sustainable Development[J].The Study of Finance and Economics,2008,34(2):99-108. |
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| Authors: | ZHENG Chun-rong |
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| Abstract: | The individual pension account has several patterns, such as full funded system and notional accounts system. The paper analyzes each type of the pension system based on the whole society, the return of investment, the changes of the social welfare and the sustainable development. This paper concludes that the notional account is useful in China now and the system can change with the saving rate and population structure. |
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| Keywords: | pension individual account notional account system |
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