“應對人口老齡化”赴西班牙培訓 “Training on Adaptation to the Ageing Population”in Spain 2016年6月19-7月3日西班牙 June19-July3,2016 Spain,上海的養(yǎng)老保險體系 Shanghai Pension Insurance System 張麗 Zhang Li 上海市發(fā)展改革研究院 Shanghai Academy of Development and Reform Email: debrazhangli,社會保險的定義 Definition of Social Insurance,國家運用法律手段對國民收入進行再分配，籌措、建立專門的基金，對勞動者在因為年老、患病、生育、傷殘、死亡等原因暫時或永久喪失勞動能力或失業(yè)暫時中斷勞動時，給予一定的物質(zhì)幫助，以保障其家庭基本生活需要的一種保障制度。 A kind of Security System that a country redistributes the national income by legal means and establishes the foundation for providing material assistance for those who temporarily/permanently lost their labor capacity or job because of aging, sickness, fertility, disability and death, in order to further secure the basic demand of those families.,社會保險與社會保障 Social Insurance and Social Security 社會保險與社會救助 Social Insurance and Social Assistance 社會保險與社會福利 Social Insurance and Social Welfare 社會保險與商業(yè)保險 Social Insurance and Commercial Insurance,我國法定社會保險五大險種 Five Types of Statutory Social Insurance,養(yǎng)老保險分類 Classification for Pension System,第一支柱： 基本養(yǎng)老保險 Basic Old-age Insurance 第二支柱： 補充養(yǎng)老保險（年金制度） Supplementary Old-age Insurance (Occupational Plan/Annuity) 第三支柱： 個人儲蓄性養(yǎng)老保險（商業(yè)保險） Old-age Insurance by Personal Savings (Commercial Insurance),上?；攫B(yǎng)老保險（原）,Basic Pension Insurance in Shanghai（Before）,上?；攫B(yǎng)老保險（演變）,農(nóng)村職工,Basic Pension Insurance in Shanghai（Evolution）,Rural Enterprise Staff,上?；攫B(yǎng)老保險（now),Basic Pension Insurance in Shanghai（Now）,全國規(guī)模最大：2014年底，企業(yè)達7432家，覆蓋職工120萬人，積累基金506億元，分別占全國的10.14%、5.23%、6.58%。 By the end of 2014, all 7,432 enterprises had already participated in, including 1.2 million workers and accumulated 50.6 billion RMB. The above 3 figures account for 10.14%,5.23% and 6.58% respectively of that of the country.,上海補充養(yǎng)老保險 Supplementary Pension Insurance,上海儲蓄型養(yǎng)老保險 Pension Insurance by personal Savings in Shanghai,含義：由職工根據(jù)個人收入狀況自愿參加的一種養(yǎng)老保險 Definition: Pension that staff insured voluntarily according to their personal income.,養(yǎng)老保險關系轉(zhuǎn)移接續(xù) Transferring and Continuing for Pension Relations,制度內(nèi)轉(zhuǎn)移接續(xù)：跨省市雙向轉(zhuǎn)移，以企業(yè)職工養(yǎng)老保險為例 Insurance Transferring and Continuing Across Regions, Take Corporate Pension as an Example,養(yǎng)老保險關系轉(zhuǎn)移接續(xù) Transferring and Continuing for Pension Relations,確定待遇領取地 Identify the place to claim the benefit 總原則：戶籍地優(yōu)先，繳費年限從長，繳費時間從后 General Principal: the place of housing registration/place of domicile is the preference selection. 養(yǎng)老保險關系所在地與戶籍所在地不一致 If the place where you contribute the pension is different from where you have the housing registration 從長：繳費年限滿10年的參保地 Accounting the longest years of contribution: the place where the contribution reaches 10 years 從后：有幾個參保地繳費都滿10年則按最后的參保地確定 Selecting the last insured place: if you make contribution in several places but all reach 10 years, then you will claim the benefit in the very last insured place. 如沒有超過10年繳費的參保地，則轉(zhuǎn)回戶籍所在地 If none of the places where you make contribution for 10 years, then your pension relation will be transferred to your housing registration place.,制度內(nèi)轉(zhuǎn)移接續(xù)：跨省市雙向轉(zhuǎn)移，以企業(yè)職工養(yǎng)老保險為例 Insurance Transferring and Continuing Across Regions, Take Corporate Pension as an Example,制度間轉(zhuǎn)移接續(xù)：跨統(tǒng)籌雙向轉(zhuǎn)移，舉例 Example for Insurance Transferring and Continuing across Systems,養(yǎng)老保險關系轉(zhuǎn)移接續(xù) Transferring and Continuing for Pension Relations,基本概念：60歲以上的人口占比10或65歲以上人口占比7 Basic Concept: the percentage of aged people over 60 10, or 65 7,上海老齡化形式嚴峻： 截至2015年底，60周歲以上戶籍老年人口超過430萬人，老齡化率達30%（2015年底，戶籍人口為1438.69萬人 By the end of 2015, there were over 4.3 million aged people who hold urban residence over 60 years old, which contributed the ageing rate in Shanghai achieved 30%. 預計“十三五”期間，老齡化水平將達到36%，而2025至2050年將進入急速高齡化階段 In the next 5 years, the aging rate in Shanghai will achieve 36%. In the period of 2025 to 2050, Shanghai will enter into the stage of “Speed Aging”.,圖：上海市2015年底人口結(jié)構(gòu)情況 Shanghai Population Structure by the end of 2015 資料來源：上海市老齡委,上海人口老齡化 Trend of Population Aging in Shanghai,制度可持續(xù)發(fā)展 Sustainable Development of Pension System,漸進式延長退休年齡 Extending the Retirement Age Progressively,人口預期壽命增長 Expected Population Age Growth 應對人口老齡化 Coping with the Aging