现收现付制

• Pension security is the most important part of social security system . as facing the stress of old - aging people , the policy of pension security in china is transferring from pay - as - you - go to part - accumulation
  养老保险是社会保险中最重要的组成部分，我国的养老保险正处在由现收现付制向部分积累制转变的过程，同时又面临人口老龄化的巨大压力。
• The pension system is not unified in each part of china , and the social insurance coverage is incredibly low . 8 . the small investment scale and the low return on investment of our social security funds is the unavoidable result of social investment ,
  8 、社会保障基金(其主要来源是社会养老金)投资规模小、效益低的入市状况，暴露出我国现收现付制、由政府控制的社会养老金不适合进入资本市场。
• The core of the socially raised funds with individual account funds in term of management is the pension system that combines the pay - as - you - go model , the blankness of individual pension accounts and pension funds managed by government
  3 、我国“统账结合”的社会养老金体制实质是现收现付制、个人账户空账运转、政府主办经营的社会养老金体制。既不能积累大量社会养老基金，又不适合养老基金直接进入资本市场。
• The analysis concern three aspects : the effects of population aging on pagy and funded pension system , the effects of population aging on the balance of pension finance , and the effects of population aging on the individual retirements benefit
  分析从几个不同方面展开：首先是进行老龄化对现收现付制利基金制下的养老金收益影响分析；其次是进行老龄化对社会保障资金收支平衡影响效应的分析；最后是进行老龄化对个人养老收益性影响的分析。
• With the peak of population - aging approaching , like many other countries in the world , china begins partial funds system reform in its old - age insurance system , from “ cash payment ” to “ social overall plan and individual account ” , as a result , the implicit pension debts ( ipd ) come into being
  由于人口老龄化高峰的来临,与世界各国一样,我国养老保险制度由现收现付制向“社会统筹和个人账户相结合”的部分基金制改革,由此产生了养老保险隐性债务( ipd ) 。
• In resource constraint economies , the cumulative system contributes to increasing savings and thus to promoting economic development ; in demand constraint economies with insufficient aggregate demand , the pay - as - you - go system is beneficial to readjusting income distribution and more to facilitating economic development
  在资源约束型经济中，积累制的养老社会保险有利于增加储蓄，从而有利于促进经济发展；在需求约束型经济中，社会总需求不足，现收现付制的养老社会保险有利于调节收入分配，更有利促进经济发展。
• At the same time , raising funds can bring the economic growth by increasing the saving of society , therefore most of the modern nations take the funds - pooling to replace the pay - as - you - go as the method of annuity finance to increase investments and attain the economic growth and to lessen the burden of governments
  同时，养老金的筹集还能增加社会储蓄，促进经济增长，因此当代大多数国家都将“基金制”取代“现收现付制”作为增加投资促进经济增长且减轻财政负担的养老金筹资方法。
• Along the history of modern social security ( ss ) system , one of the most radical and important reform was the privatization of the chilean pension system in 1981 . it was the first privatization in the world that completely substituted the old public paygo collective pension scheme with a new private fully - funded individual pension system . the scope , depth and speed of chilean reform have attracted world - wide attention , and is having significant influence in latin america and other developing as well as developed countries . chilean is often presented as a model for structure pension reform offering interesting experiences . this paper emphasizes on the investment process of chilean pension fund . by analyzing the practical effect of pension fund in the past 25 years , the paper summarizes and comments on the “ chilean model ”
  在现代社会保障制度发展演变的历史进程中, 1981年智利的社保私有化改革无疑占据着一个重要位置,它是世界上第一个用私营管理的完全积累制替代传统现收现付制公共养老金计划的国家。社保改革“智利模式”引起了世界的普遍关注,并对拉美国家、发展中国家乃至发达国家社保改革产生了重要影响。本文目的在于考察智利社保基金投资管理模式的制度安排,实证分析改革25年来社保基金投资的实际成效,进而对智利模式做出总体评价。
• One of the measures requests social security tax should be joined with the current social security charge system , and on the very basis of the discussion of the question , the author put forward own unique opinion : combination of " the system of pay as you go " and " the system of part accumulation " is the suitable accumulation pattern of social security fund of our country , moreover we also should set up social adjustment account and individual account in social security budget of the old age insurance and to manage and operate this two accounts respectively
  在谈到使社会保障税与现行统帐结合的缴费模式相衔接的问题时，笔者提出了自己的见解：我国社会保障基金的积累模式宜采用现收现付制与部分积累制相结合的做法，并在养老保险预算内建立社会统筹帐户与个人账户，两个账户分别管理，独立运作。鉴于社会保障税具有的种种优势，作者得出结论：开征社会保障税势在必行。
• 2 . the experience in foreign countries shows that the more the funds model is adopted and the pension programs are managed by private sectors , the better the pension and capital market develop , and that the more the pay - as - you - go mode is adopted and the pension programs are managed by government , the worse the pension and capital market develop . 3
  2 、国际上社会养老保险入市的私有化改革经验表明：越是更多采用基金制、由企业和私人经营社会养老基金，越能适应资本市场的发展；越是更多采用现收现付制、由政府控制经营社会养老基金，越不适合或不利于资本市场的发展。