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1、北京工业大学博士学位论文中国城镇养老保障筹资模式研究姓名：潘新胜申请学位级别：博士专业：管理科学与工程指导教师：李京文20070401北京工业大学管理学博士学位论文背景下研究了我国城镇养老保障体系的功能，分析并论证了适应社会主义和谐社会要求的城镇养老保障体系必须具备的基本特征，再此基础上比较系统的研究了加强我I雪社会养老保障基金管理的制度框架，明确提出以社会统筹，政府强制储蓄，以及个人储蓄、商业保险、家庭赡养为三个主要支柱，社会救济和企业补充养老保险为两个补充支柱的“3+2”支柱养老保障体系。关键词：养
2、老保障筹瓷模式现收现付制基金积累制ABSTRACTABSTRACTSocialsecurityisthefruitofhumanculture,andthefoundationofmodemsociety．Asthemajorpartofsocialsecurity,pensionsystemisveryimportantinguaranteeinglifeoftheelderlyandsmoothrunningofsociety．Beingenteringintoan晤ngsocial，itiscri
3、ticalforChinatobuildapensionsystem,whichtallieswithactualsituationofchina,andconformstotheneedofconstructingasoeialistharmonioussociety．Withthetitleof‘'financingmechanismappraisalinChinaurbanpensionsystem",thisdissertationfocusesOntheinfluenceofdifferent
4、financingmechanismoneconomydevelopment,andtheconstancyofdifferentfinancingmechanism,013．thebasisofanalyzi,lgstatusquo，trendandexperienceofinternationalpensionsystem．Thisdissertationalsomakesresearchesondefects,opportunides．andchallengesofChinapensionsyst
5、em,putsforwardproposalsOilhowtobuildamulti-pillarpensionsystemtocateringtotheneedofsocialistharmonioussociety．nedissertationholdsthatboththePAYG(pay-as-you·go)andthefundedschemehavetheirspecialadvantagesrespectively．However,Generallyspeaking,there11．re：n
6、eitherremarkabledistinctiOIlSbetweentheinfluencesofthetwodifferentsystemsoneconomydevelopmentandlabormarket,nordifferenceonsustainabledevelopmentofthepensionsystemitself．11lcAdvantagesofPAYGliesinthreeaspects：theintroductionofPAYG8yst蜘lcouldleadtoPareto-
7、efficiencyimproving；thePAYGsystemisconducivetore-contributionamongpeopleofdifferentageanddifferentincome；thePAyGsystemcouldreducemanagementcosteffectively．Whileadvantageofthefundedschemeliesinitsfunctionofreducingfee-evasion,italsol'lnakesfinancialrisksd
8、ispersinginthegloballevelpossible．ItinsiststhatPAYGsystemshouldbethemajorpillarofChinesepellsioIlsystem,whiletheroleoffundedschemeshouldnotbeignoredattheslllnetime．ForChina,themarketreturnoffundedsvst唧willnotashigh船thebiol
