养老保险基金支付风险及防范机制研究
摘要 目的 我国的养老保险金支付已经进入高峰期，养老保险基金收不抵支、资金短缺的现象日益突出，养老保险基金进入紧张运行状态，所以探讨我国养老保险基金危机的成因，并寻找摆脱危机的对策显得尤为迫切。方法 文献分析法。搜集、鉴别、整理文献，并通过对文献的研究，以此达到分析养老金支付风险的主要因素。结果 及时发现和纠正养老保险基金的征收、支付和管理运行过程中的问题，收集和缴纳、确保养老保险基金管理的政策法规的实施，保证正常的养老保险支付工作。对策 针对养老金支付风险的主要因素，提出相对应对解决方法。
关键词 养老保险基金 支付风险 防范机制
Abstract Objective The endowment insurance of our country has entered the peak period of payment, endowment insurance fund is worth supporting, the shortage of funds has become increasingly prominent, pension fund to enter the nervous condition, so the study of Chinese pension insurance fund crisis, and find the countermeasure that casts off the crisis appears especially urgent.Method Literature analysis. Collection, identification, literature review, and through to the study of literature, so as to achieve the analysis of pension payment risk factors. Results The timely detection and correction of endowment insurance fund collection, payment and management of operation process in question, collection and payment of pension funds management, ensure the implementation of policies and regulations, and ensure the normal working of endowment insurance pay. Countermeasures for the pension payment The main risk factors, puts forward relative solutions method.
Key words: endowment insurance fund payment; risk; prevention mechanism
目录
2 养老金支付风险的主要因素………………………………….. 5
2.1人口老龄化程度加剧，养老保险基金负担系数提高……………. 5
2.2通货膨胀导致养老保险基金全面缩水………………………. 6
3 提高应对养老金支付风险的能力………………………………. 9
3.1完善养老保险待遇支付办法，合理控制养老保险基金支出………. 9
3.3拓宽养老保险基金的融资渠道，提高效益水平………………. 10
3.4依法强力推进扩面征缴，确保养老保险基金应收尽收…………. 10
