CAJ | 학술논문

人们普遍担心新型城镇基本养老保险制度中的养老金水平会有所降低，这直接会影响到城镇基本养老保险制度的可持续发展。文章借用生命周期理论和世代交叠模型理论的基本原理，以模拟测算的方式对此问题进行了必要的探讨和研究。其结论为：一是新方案的养老金水平比旧方案要低，养老金发放水平的总体差距比原来有所拉大，但新方案的结构可能更趋合理；二是男女之间养老金发放水平的差距将进一步拉大。根据这一研究结果，文章建议采取在同一代人之间和世代交叠之间两个层面上效率与公平的统筹兼顾策略，并提高女性退休年龄等措施来缩小差距，以保证基本效率基础上的社会公平。
인문보편담심신형성진기본양로보험제도중적양로금수평회유소강저，저직접회영향도성진기본양로보험제도적가지속발전。문장차용생명주기이론화세대교첩모형이론적기본원리，이모의측산적방식대차문제진행료필요적탐토화연구。기결론위：일시신방안적양로금수평비구방안요저，양로금발방수평적총체차거비원래유소랍대，단신방안적결구가능경추합리；이시남녀지간양로금발방수평적차거장진일보랍대。근거저일연구결과，문장건의채취재동일대인지간화세대교첩지간량개층면상효솔여공평적통주겸고책략，병제고녀성퇴휴년령등조시래축소차거，이보증기본효솔기출상적사회공평。
The reduction of pension level in new model of city＇s public endowment insurance, which the public worries about, will directly affect the sustainable development of city＇s public pension. This paper studies these problems. As a result, firstly, the pension level in new model of city＇ s public endowment insurance will be lower than that in old model and secondly, the differences of levels of payment in pension will be widened between men and women. Finally, it gives some suggestions to solve these problems.