家庭代际扶持、意愿缴费率与养老金支柱设计

江西财经大学学报 ›› 2022, Vol. 0 ›› Issue (5): 77-88.

家庭代际扶持、意愿缴费率与养老金支柱设计

龙朝阳¹, 阳义南²

1.湘潭大学公共管理学院,湖南湘潭 411105;
2.湖南大学公共管理学院,湖南长沙 410082

收稿日期:2022-04-15 修回日期:2022-05-10 出版日期:2022-09-25 发布日期:2022-10-26
通讯作者: 龙朝阳,湘潭大学教授,经济学博士,主要从事养老金经济学研究,联系方式lonzhy@163.com。
作者简介:阳义南,湖南大学教授,管理学博士,主要从事养老金理论与政策研究。
基金资助:
国家社会科学基金重点项目“发展多层次、多支柱养老保险体系研究”（21AZD070）; 湖南省社会科学基金项目“公共养老金支柱改革与发展研究”（21YBA059）

Family Intergenerational Support, Willingness to Contribute and the Design of Multi Pillar Pension System

LONG Chao-yang¹, YANG Yi-nan²

1. Xiangtan University, Xiangtan 411105;
2. Hunan University, Changsha 410082, China

Received:2022-04-15 Revised:2022-05-10 Online:2022-09-25 Published:2022-10-26

摘要/Abstract

摘要： 通过一个内生经济增长的代际交叠模型,考察家庭内部代际扶持模式在受益确定型现收现付养老金制度中的作用机制,为中国城镇职工养老金体系的支柱设计提供理论借鉴。研究表明,由于家庭成员存在“孝敬父辈”“养儿防老”的代际扶持机制,制度建设初期工作一代参保人的意愿缴费率高于促进产出增长的最优缴费率,而就家庭子代而言,最优缴费率处于较低的水平,在当前参保成员的意愿缴费水平下再度降低养老保险缴费率,从纳费型养老保险体系外部筹措资金建立养老金支柱,解决当前退休一代的养老金支付缺口,将产生养老金制度设计的帕累托改进——既改善代际再分配效率,同时又促进产出增长。建议由各级财政资金建立基础养老金“零支柱”,作为第一层次的养老金给付,在此基础上推进中国城镇多层次多支柱养老金体系建设。

关键词: 家庭代际扶持, 意愿缴费率, 养老金支柱, 动态一致性

Abstract: Through an intergenerational overlapping model of endogenous economic growth, this paper examines the mechanism of intergenerational support mode within families in the benefit defined Pay As You Go pension system, so as to provide theoretical reference for the pillardesign of China's urban pension system. The results show that due to the intergenerational support mechanism of“filial piety to parents”and“raising children for the aged”existing in the families, the contribution rate out of the willingness of the working generation in the early stage of system construction is higher than the optimal contribution rate to promote output growth. However, the optimal contribution rate of the second generations is at a lower level. At the present contribution rate out of willingness of the insured members, further reducing the pension insurance contribution rate and establishing pension pillar with financed fund from outside of the premium-paying pension insurance system to solve the pension payment gap of the present retired generation can generate the Pareto improvement of pension scheme design, which will not only improve the efficiency of intergenerational redistribution, but also promote the growth of output. Therefore, it is suggested that financial funds at all levels should be used to establish a“zero pillar”of basic pension as the first layer of pension payment, on this basis, the construction of China's urban multi-level and multi pillar pension system can be promoted.

Key words: family intergenerational support, contribution rate out of willingness, pension pillar, dynamic consistency

中图分类号:

F840.612

龙朝阳, 阳义南. 家庭代际扶持、意愿缴费率与养老金支柱设计[J]. 江西财经大学学报, 2022, 0(5): 77-88.

LONG Chao-yang, YANG Yi-nan. Family Intergenerational Support, Willingness to Contribute and the Design of Multi Pillar Pension System[J]. Journal of Jiangxi University of Finance and Economics, 2022, 0(5): 77-88.

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