CAJ | 학술논문

我国人口老龄化问题日益突出，随之产生的养老金缺口危机也更加严峻。在我国“未富先老”的现状下，我国养老保险制度体系的横向及纵向结构的欠合理性逐渐凸显出来，特别是养老保险基金难以实现全国统筹以及养老保险制度的碎片化现象使养老金缺口问题更为严峻。结合我国实际的国情，通过与美国的成功经验进行比较，提出化解我国养老金缺口危机的有效途径如大力建设企业年金以及延迟退休年龄等。
아국인구노령화문제일익돌출，수지산생적양로금결구위궤야경가엄준。재아국“미부선로”적현상하，아국양로보험제도체계적횡향급종향결구적흠합이성축점철현출래，특별시양로보험기금난이실현전국통주이급양로보험제도적쇄편화현상사양로금결구문제경위엄준。결합아국실제적국정，통과여미국적성공경험진행비교，제출화해아국양로금결구위궤적유효도경여대력건설기업년금이급연지퇴휴년령등。
The trend of population aging in China is becoming more serious,so is the crisis pension hole. Under the situation of“getting old before getting rich”in China,the old age pension system in China ligh-lights an irrationability both horizontally and longitudinally. More severe is the pension hole caused by the impossibility of overall national coordination and system fragmantation.To resolve the crisis of old age pen-sion,the paper draws lessons from the American pension system and puts forwwd methods like setting up enterprise annuity and postponing retirement age.