社保欠账问题及解决方案：中美比较的视角

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Abstract With the ever-increasing aging population in the world, it is a tough challenge confronting all countries to provide income security for retirees. Empty individual accounts and substantial deficit in enterprise annuities reveal some problems in China's pension system. However, after a nationwide pooling of basic pension funds was launched since January 1, 2022 in China, it is particularly important to examine the social security deficit from national perspective. Currently, our problems with social security are in essence similar to those of the United States. Drawing on the experience of the United States and taking into account Chinese situation, we need to address potential deficit in basic pension insurance funds in three ways. First, we need to encourage people to contribute more to their retirement account to get more in pension payments (more contribution for more payments) so as to tap the “institutional payment potential” and create conditions to increase returns on investment. Second, pension income should be in line with price and cost of living of the elderly. Besides, we need to reduce the management cost of pension through reform and improvement of the system. Third, we need to establish a flexible retirement system and gradually raise the statutory retirement age. However, we cannot expect to find a quick solution to the potential deficit in China's basic pensions funds. In the long run, we should increase the proportion of pensions funds in GDP.

Key words： social security deficit institutional contribution potential indexation of treatment pension management cost flexible retirement scheme the third pillar

Received: 25 June 2022

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LIU Fei. Social Security Deficit and Its Solutions: Comparative Study between China and the U.S.[J]. , 2022, 39(5): 73-81.

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https://xb.szu.edu.cn/EN/ OR https://xb.szu.edu.cn/EN/Y2022/V39/I5/73

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