北京市城镇无保障老人养老保险问题研究

近年来,城镇无保障老年人的养老问题日益受到政府和社会的关注。全国已有部分省市对城镇无保障老年人提供了一定的养老补贴待遇,但是,不同省市采用补贴形式各不相同,补贴标准也有一定的差异。目前,北京市城镇无保障老人主要是通过福利养老金制度覆盖,对满足年龄条件的无保障老人,每人每月都可以领取230元财政补贴。那么,在政府财力有限的条件下,如何提高无保障老人收入水平?本文提出了建立无保障老人个人缴费与政府补贴相结合的新制度,并依据2007年北京市城镇无保障老人调查数据,构建北京市无保障老人养老保险收支模型,计算并预测了未来10年的养老保险收支情况,通过这一模式表明,政府财政补贴在适度提高的前提下,无保障老人养老待遇会有较大幅度增加,而且该模式运行的稳定性较强。

Research on the Endowment Insurance of the Urban Uninsured Elderly in Beijing

Recent years the problem of providing the no pension insurance elderly in cities gains wider concern from the government as well as society. Some provinces have provided to some extend the ＂uninsured＂ elderly with pension credit. However, the form of pension in different provinces varies, the standard of pension also has some differences. Currently, the Beijing municipal pension benefit covers the uninsured elderly people. For those who meet the age requirement, everyone can get 230 Yuan in each month. While, how to improve the ＂uninsured＂ people＇ s income in condition with the limited finance, it is a question. This paper comes up with a new institution which combines personal wages with government subsidy. We construct income and expenses model for the Beijing elderly without pension. Using the 2007 census data, we calculate and forecast the balance about income and expense in the next ten years. The paper points out that the institution mentioned above is stable in actual operation and the no pension insurance old man＇ s income will increase dramatically if the govemment raises the subsidy appropriately.