發(fā)布時(shí)間：2018-05-25 01:46

  本文選題：商業(yè)養(yǎng)老保險(xiǎn) + 基本生活水平�。� 參考：《財(cái)會(huì)月刊》2013年25期

【摘要】：正社保養(yǎng)老是基礎(chǔ)近來(lái),有很多網(wǎng)友因受"延遲退休"或"雙軌制"傳聞的刺激,表示"不再繳納社會(huì)保險(xiǎn)費(fèi)"并且提出要"退保",勇敢地提出要自己存錢養(yǎng)老。對(duì)此,中國(guó)社科院社會(huì)政策研究中心研究員唐鈞認(rèn)為,存款利率跑不過(guò)CPI已經(jīng)成為社會(huì)共識(shí),儲(chǔ)蓄養(yǎng)老對(duì)大多數(shù)人來(lái)說(shuō)行不通。"社會(huì)保險(xiǎn)保障的是基本生活水平,也就是說(shuō),到領(lǐng)取時(shí),是要根據(jù)當(dāng)時(shí)的基本生活水平來(lái)進(jìn)行調(diào)整的。企業(yè)職工的養(yǎng)老金已經(jīng)連續(xù)8年進(jìn)行了調(diào)整就是一例證。雖然大家對(duì)調(diào)整后的標(biāo)準(zhǔn)仍然不滿意,但畢竟進(jìn)行了調(diào)整。所以,合理的計(jì)劃是首先要參加社會(huì)保險(xiǎn),這是保底的;然后有余力再買商業(yè)保險(xiǎn),這屬于錦上添花。"保險(xiǎn)為養(yǎng)老提質(zhì)當(dāng)前,我國(guó)實(shí)行的是社會(huì)基本養(yǎng)老保險(xiǎn)、企業(yè)補(bǔ)充養(yǎng)老保險(xiǎn)(即企業(yè)年金)與商業(yè)養(yǎng)老保險(xiǎn)相結(jié)合的多層次養(yǎng)老保障制度,但面對(duì)社會(huì)保險(xiǎn)"廣覆蓋,低保障"現(xiàn)狀,越來(lái)越多的人開(kāi)始關(guān)注商業(yè)養(yǎng)老保險(xiǎn)。專家指出,和其他投資理財(cái)工具相
[Abstract]:Recently, many netizens have been spurred by rumors of "delayed retirement" or "two-track system" to say "no longer pay social insurance premiums" and offered to "retire" and bravely propose to save their own money for the aged. In response, Tang Jun, a researcher at the Center for Social Policy Research at the Chinese Academy of Social Sciences, said that it has become a social consensus that deposit rates are not as good as CPI, and that saving for the aged is not going to work for most people. " What social insurance guarantees is basic standard of living, namely, when receive, want to carry on adjustment according to the basic standard of living at that time. The pension of the enterprise worker has carried on the adjustment for 8 consecutive years is an example. Although everyone is still not satisfied with the adjusted standards, but after all has been adjusted. So a reasonable plan is to start with social insurance, which is guaranteed, and then Yu Li to buy commercial insurance, which is an added bonus. " At present, our country implements the social basic endowment insurance, the enterprise supplementary old-age insurance (that is, the enterprise annuity) and the commercial endowment insurance combine with the multi-level old-age security system, but faces the social insurance "the extensive coverage," Low security "status quo, more and more people began to pay attention to commercial endowment insurance." Experts point out that it is similar to other investment tools
【分類號(hào)】：F842.612

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