养老保险市场化问题研究——英国经验的借鉴摘要：进入21世纪以来，世界人口数量剧增，而伴随着科技、医疗技术的进步，人的寿命也在增长，越来越多的国家开始步入老龄化社会。对于老年人的福利发放的增长势必引起财政的负担。世界各国纷纷通过改善养老保险制度寻求出路，养老保险市场化就是其中一条。本论文采用对比分析法，着重分析了英国的养老保险制度暴露的问题及其是如何进行改进，然后进行中英对比，阐释我国养老保险制度的现状和存在问题，分析如何完善我国的养老保险制度，目的是为我国养老保险市场化改革做铺垫，找到其中可以借鉴的地方。关键词：养老保险市场化对比借鉴TheStudyofTheEndowmentInsuranceMarketization--UseTheExperienceofTheEnglandForAReferenceAbstract:Whenwestepintothe21stcentury,thenumberofthepeopleintheworldhasincreasedrapidly.Atthesametime,thetechnologyandthemedicaltreatmenthavemadelargeprogress,sothelifeofpeoplehasextended.Moreandmorecountriesturnintoagingsocieties.Theincreaseoftheoldpeople’swelfarewillleadtotheburdenofthefinance.Manycountrieschangethesystemoftheendowmentinsurancetofindaway.Oneofthewaysistoexecutetheendowmentinsurancemarket.Thisthesisusesthecomparativeanalysis.Itanalysestheproblemsofthesystemoftheendowmentinsuranceandtheimprovementsofthesystem.Then,bycontrastingourcountryandtheEngland,itinterpretstheproblemsoftheendowmentinsurancesysteminourcountry.Finally,itanalyseshowtomakeourendowmentinsurancesystemperfect.Thepurposeoftheseanalysisistopavethewayofourcountry’sendowmentinsurancesystem’sreformationandtofindthereferenceoftheEngland.KeyWords：endowmentinsurancemarketizationcontrastingreference目录一、养老保险市场化研究回顾........................................................................-1-(一)养老保险市场化研究的三种理论.......................................................-1-（二）经济学家们对养老保险市场化改革的研究..................................-2-二、养老保险市场化改革探索........................................................................-3-（一）养老保险市场化内涵......................................................................-3-（二）养老保险市场化改革的内容..........................................................-4-（三）养老保险市场化的外在表现..........................................................-5-三、英国养老保险制度市场化改革及其启示................................................-6-（一）英国养老保险制度暴露的问题......................................................-6-（二）英国养老保险制度改革的具体措施..............................................-8-四、养老保险制度的中英比较......................................................................-10-（一）我国养老保险制度与英国的对比................................................-10-(二）我国养老保险制度存在的问题.......................................................-12-五、我国养老保险制度完善的路径分析......................................................-13-（一）改革兼顾公平与效率....................................................................-13-（二）扩大养老保险覆盖范围................................................................-14-（三）平衡政府养老保险金的“过度”与“不足”............................-14-（四）统一全国的养老保险管理体制....................................................-15-（五）增强养老保险金的保值增值能力................................................-15-（六）加快对国家保险法的补充完整....................................................-15-（...
