我国实施延迟退休政策的优劣性初探_保险论文.rar

摘要：近几年来，随着中国人口老龄化进程的加快、人口预期寿命的延长，政府养老金的支出额扶摇直上。为了缓解这一压力，政府官员以及专家们相继表态，效仿西方国家实施延迟退休政策已是一种必然趋势，这引发了社会各界的广泛关注。本文正是以此作为切入点，首先介绍了国内退休制度的现状及其所存在的问题，并通过对实施延迟退休政策的优劣性进行了初步分析后，得出了我国应该实施延迟退休政策的结论，同时提出了两个可选的改革方案。最后，在分析了我国特殊国情的前提下，进一步得出了为了更好地达到令我国退休制度与日益严重的人口老龄化、人口预期寿命的延长以及社会经济高速发展的现状相适应的目的，我国应在延迟退休的基础上引入富有养老金奖励机制的弹性退休制度，并采取循序渐进式改革模式的结论，同时对我国实施延迟退休政策的前景以及所面临的挑战展开了讨论,总结出了三项我国政府在推行延迟退休政策的过程中应当予以重视的问题。

关键词：人口老龄化  延迟退休 循序渐进式改革

Abstract: As aging of population of China accelerates and life expectancy of population extends, the government’s disbursement of annuity has risen sharply in recent years. In order to remit this pressure, governmental officials and experts successively state that it has been an inevitable trend to imitate western countries to implement postponed retirement policy. This attracts much attention from all sectors of the society. This thesis just starts with this and introduces current situations and existing problems of domestic retirement system firstly. After preliminary analysis about advantages and disadvantages brought by implementation of postponed retirement policy, it draws the conclusion that China should implement postponed retirement policy. Meanwhile, it proposes two optional reform schemes. Finally, on the premise that special national conditions of China have been analyzed, it concludes that China should introduce flexible retirement system with annuity reward mechanism based on postponed retirement and take a progressive reform mode in order to make retirement system of China adapt to increasingly serious aging of population, extension of people’s life expectancy and rapid development of social economy. At the same time, it discusses prospect of China’s implementation of postponed retirement policy and challenges it faces with, and summarizes three problems that Chinese government should pay much attention to in the process in which postponed retirement policy is carried out. 

Key words: Aging of population  Postponed retirement  Progressive reform mode