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试析利率对现行职工养老保险模式下养老保险基金平衡的影响

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英文摘要:

The innovation of old-age insurance system of China , practices the model of old-age insurance with part accumulation , which acquired by combining social pooling w ith individual accounts .Interest rate has an important influence upon the balance of the income and expenses of the pension fund .Using of the mathematical model and the data of population model from 1990 to 2100 , this paper figures out the changing quantitative relation between co ntributing rate and interest rate , and analyzes the interest rate' s influence on the balance of pension fund .Because the interest rate' s influence on basic oldage insurance benefit is opposite to itsinfluesce on individual accounts pensio n , it w ill decrease the interest rate' s influence on contributing rate and steady the balance of pension fund w hen basic old-age insurance benefit combine with individual accounts pension in appropriate proportion .

作者:

王鉴岗

作者单位: 中国青年政治学院经济管理系 副教授;
期刊: 社会学研究
年.期:页码 2000.4:55-62
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关键词: 养老保险; 个人帐户; 缴费率; 平均余命; 计发办法; 基金积累; 替代率; 保险基金收入; 现付; 筹资模式;
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