弹性退休金制度 Flexible pension system
<p>近日，人社部就社会保险关系转续及医药卫生体制改革等问题集中答复网友时明确表示，相应推迟退休年龄已是一种必然趋势，该部将适时提出弹性延迟领取基本养老金年龄的政策建议。</p><p>据报道：</p><p><span word="A">A</span> <span word="Chinese">Chinese</span> <span word="government">government</span> <span word="agency">agency</span> <span word="has">has</span> <span word="revealed">revealed</span> <span word="that">that</span> <span word="it">it</span> <span word="will">will</span> <span word="propose">propose</span> <span word="a">a</span> <span word="more">more</span> <span word="flexible">flexible</span> <span word="pension">pension</span> <span word="system">system</span> <span word="to">to</span> <span word="central">central</span> <span word="authorities">authorities</span> <span word="at">at</span> <span word="an">an</span> <span word="appropriate">appropriate</span> <span word="time">time</span> <span word="to">to</span> <span word="keep">keep</span> <span word="a">a</span> <span word="balance">balance</span> <span word="between">between</span> <span word="employment">employment</span> <span word="and">and</span> <span word="expected">expected</span> <span word="shortfall">shortfall</span> <span word="in">in</span> <span word="retirement">retirement</span> <span word="payments">payments</span>.</p><p>人社部透露将适时向中央提出更灵活的弹性退休金制度，在促进就业和减少养老金支付压力之间取得平衡。</p><p>上面报道中的<span word="flexible">flexible</span> <span word="pension">pension</span> <span word="system">system</span>就是“弹性退休金制度”，即在政府规定的退休年龄段区间内，员工可以根据自身情况在这个年龄段选择合适的时间点办理退休手续，领取<span word="pension">pension</span>（养老金）。因为养老保险缴纳的时间越长，缴纳的资金越多，退休的时候领取的退休金就越高，所以很多人都选择<span word="delay">delay</span> <span word="retirement">retirement</span>（延迟退休）。与之相对的“提前退休”是<span word="early">early</span> <span word="retirement">retirement</span>。</p><p>我国从90年代开始施行统账结合的养老保险制度，即养老保险由<span word="social">social</span> <span word="pooling">pooling</span>（社会统筹）和<span word="individual">individual</span> <span word="pension">pension</span> <span word="account">account</span>（个人账户）两部分组成。弹性退休金制度就是为了应对<span word="population">population</span> <span word="aging">aging</span>（老龄化）危机以及个人账户<span word="deficit">deficit</span>（空帐）压力。对于弹性退休制，有人担忧会使“体制内乐了,体制外哭了”，因为我国目前执行的是<span word="dual">dual</span> <span word="pension">pension</span> <span word="scheme">scheme</span>（退休金双轨制），公务员、事业单位人员的退休金和企业退休人员的退休金差距很大。</p>
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