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老龄化和“空账”问题使我国的养老金面临日益严峻的挑战。社保基金的投资收益、财政预算拨款、彩票公益金收入和国有股减持等传统渠道已经很难应付这一挑战。抓住资本市场股权分置改革的有利契机,通过划拨部分国有资产充实社保基金,并大力发展商业保险的补充作用是我们应对挑战的必由之路。
Aging and the problem of “empty credit” make our country’s pension facing increasingly serious challenges. Traditional channels such as investment returns from social security funds, budget allocations, lottery public fund income, and state-owned shares reduction have struggled to meet this challenge. Grasping the favorable opportunity of reform of split share structure in the capital market and enriching social security funds by allocating part of state-owned assets and vigorously developing the complementary role of commercial insurance is the only way for us to meet the challenge.