CAJ | 학술논문

主权债务危机爆发后,欧盟成员国认识到以养老为代表的高福利制度所带来的弊端与债务危机的爆发互为因果,建立符合本国政府债务承受能力的养老福利制度是缓解债务危机的重要手段之一。中国目前处于养老制度改革的关键时期,应借鉴欧盟经验,厘清欧盟国家养老金制度采取的改革措施,通过对中欧养老金制度所面临的问题进行比较性分析,从宏观上完善国家层级治理结构、中观上建立有效的企业年金制度、微观上做实个人账户,提升个人参与商业保险的积极性,建立符合中国国情的三大养老支柱。
주권채무위궤폭발후,구맹성원국인식도이양로위대표적고복리제도소대래적폐단여채무위궤적폭발호위인과,건립부합본국정부채무승수능력적양로복리제도시완해채무위궤적중요수단지일。중국목전처우양로제도개혁적관건시기,응차감구맹경험,전청구맹국가양로금제도채취적개혁조시,통과대중구양로금제도소면림적문제진행비교성분석,종굉관상완선국가층급치리결구、중관상건립유효적기업년금제도、미관상주실개인장호,제승개인삼여상업보험적적겁성,건립부합중국국정적삼대양로지주。
After the sovereign debt crisis,the EU member states recognize that the disadvantage of high welfare system represented by pension system can be reciprocal causation with the outbreak of sover- eign crisis.Therefore,these countries believe that the establishment of pension benefits system in line with the national government debt affordability is one of the important means to ease the debt crisis. At present,China is in a critical period of the pension system reform.It is necessary to use for reference and clarify the pension system reform measures taken by EU countries.According to a comparative a- nalysis of issues which is confronted by the Central European pension systems, it is possible to estab- lish the three pillars of pension system. Specifically, at a macro level,a state-level governance struc- ture should be improved,while setting up an effective enterprise annuity system on meso level is also required.At the same time,at micro level,it is asked to enhance personal account and stimulate their motivation to participate in commercial insurance.