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国家建立企业职工基本养老保险制度以来,实施个人账户和统筹基金相结合的管理模式。做好参保人个人账户管理工作,对于维护参保人利益、确保未来养老金的足额支付有着重要意义。本文首先介绍了我国企业职工基本养老保险制度建立发展情况,揭示影响养老保险进一步发展的突出问题,从保证统账结合管理模式的顺利实施、维护参保职工权益角度提出建议。
Since the establishment of the basic old-age insurance system for enterprise workers, the state has implemented a combination of individual accounts and overall fund management. Doing a good job in the personal account management of insured persons is of great significance for safeguarding the interests of insureds and ensuring the full payment of future pensions. This article first introduces the establishment and development of the basic pension insurance system for the employees in our country, reveals the prominent problems that affect the further development of the pension insurance, and puts forward suggestions from the viewpoints of guaranteeing the smooth implementation of the unified management of the state-owned account and the account and safeguarding the rights and interests of participating workers.