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    “十三五”时期我国城乡居保金融服务的发展展望

    摘要

    我国城乡居保已初步建立以县(市、区)级经办机构为主干,金融服务网点为依托,乡(镇、街道)和村(社区)工作平台为基础的组织体系和服务网络。“十三五”时期,经济增速下行、人口老龄化加剧、城镇化提速、人员流动性增加均会给城乡居保事业的发展带来挑战与压力,一是基金缺乏投资渠道,面临长期贬值风险;二是基层金融经办机构利益受损,面临服务下降风险;三是随着未来城乡居民养老保险服务需求的变化,将面临金融服务配套不足的风险。本文提出四个对策:一是完善城乡居保金融服务标准,规范管理,提升金融服务质量;二是研究制定基层金融机构资金归集上存投资运营的实施细则,保障基金投资运营;三是加强信息系统管理及数据安全设置,防范金融网络风险;四是尽可能增加金融服务网点,以适应城乡居保发展需要。

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    Abstract

    In China,the organization system and service network of old-age pension insurance for the non-working urban and rural residents (hereafter abbreviated as residents pension) has been developed,which builds upon the pension operation agencies at county/district level as the main body,also relies on the financial service delivery points and work stations at both township/street community & village/residential community levels. During the 13th National Five-year Plan period,the key elements such as the slowdown of economic growth,acceleration of population ageing,stepping-up of urbanization and the increasing mobility of people have brought about challenges and pressure to the development of residents pension cause,which mainly shows as follows:First,pension funds may be exposed to depreciation risk in the long run due to the shortage of investment channels. Second,the interest loss of grassroots financial service agencies may result in the decline of service quality. Third,residents pension may suffer from the inadequacy of supplementary financial service delivery due to the changing of such pension service demands in the future. Four policy proposals have been put forward in this paper. First,improving financial service standards for residents pension,making more efforts in regulating management,and improving financial service quality. Second,studying and formulating the implementation details for the pooling,depositing,investing and operation of the funds collected by grassroots financial institutions at higher level,so as to ensure the investment and operation of the funds. Third,enhancing information system management and data security allocation for the prevention of financial network risks. Fourth,try every possible means to extend financial service delivery points,so as to satisfy the development demands for resident pension.

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    作者简介
    李红岚:李红岚,人力资源和社会保障部社会保障研究所养老室主任,研究员,主要研究领域社会保障政策及量化分析。
    郭婕:郭婕,人力资源和社会保障部社保所农保室助理研究员,主要研究领域为社会保障政策。
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