CAJ | 학술논문

近年来，城镇无保障老年人的养老问题日益受到政府和社会的关注。全国已有部分省市对城镇无保障老年人提供了一定的养老补贴待遇，但是，不同省市采用补贴形式各不相同，补贴标准也有一定的差异。目前，北京市城镇无保障老人主要是通过福利养老金制度覆盖，对满足年龄条件的无保障老人，每人每月都可以领取230元财政补贴。那么，在政府财力有限的条件下，如何提高无保障老人收入水平？本文提出了建立无保障老人个人缴费与政府补贴相结合的新制度，并依据2007年北京市城镇无保障老人调查数据，构建北京市无保障老人养老保险收支模型，计算并预测了未来10年的养老保险收支情况，通过这一模式表明，政府财政补贴在适度提高的前提下，无保障老人养老待遇会有较大幅度增加，而且该模式运行的稳定性较强。
근년래，성진무보장노년인적양로문제일익수도정부화사회적관주。전국이유부분성시대성진무보장노년인제공료일정적양로보첩대우，단시，불동성시채용보첩형식각불상동，보첩표준야유일정적차이。목전，북경시성진무보장노인주요시통과복리양로금제도복개，대만족년령조건적무보장노인，매인매월도가이령취230원재정보첩。나요，재정부재력유한적조건하，여하제고무보장노인수입수평？본문제출료건립무보장노인개인격비여정부보첩상결합적신제도，병의거2007년북경시성진무보장노인조사수거，구건북경시무보장노인양로보험수지모형，계산병예측료미래10년적양로보험수지정황，통과저일모식표명，정부재정보첩재괄도제고적전제하，무보장노인양로대우회유교대폭도증가，이차해모식운행적은정성교강。
Recent years the problem of providing the no pension insurance elderly in cities gains wider concern from the government as well as society. Some provinces have provided to some extend the ＂uninsured＂ elderly with pension credit. However, the form of pension in different provinces varies, the standard of pension also has some differences. Currently, the Beijing municipal pension benefit covers the uninsured elderly people. For those who meet the age requirement, everyone can get 230 Yuan in each month. While, how to improve the ＂uninsured＂ people＇ s income in condition with the limited finance, it is a question. This paper comes up with a new institution which combines personal wages with government subsidy. We construct income and expenses model for the Beijing elderly without pension. Using the 2007 census data, we calculate and forecast the balance about income and expense in the next ten years. The paper points out that the institution mentioned above is stable in actual operation and the no pension insurance old man＇ s income will increase dramatically if the govemment raises the subsidy appropriately.