“应对人口老龄化”赴西班牙培训.ppt

“应对人口老龄化”赴西班牙培训 “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,上海的养老保险体系 Shanghai Pension Insurance System 张丽 Zhang Li 上海市发展改革研究院 Shanghai Academy of Development and Reform Email: debrazhangli,社会保险的定义 Definition of Social Insurance,国家运用法律手段对国民收入进行再分配，筹措、建立专门的基金，对劳动者在因为年老、患病、生育、伤残、死亡等原因暂时或永久丧失劳动能力或失业暂时中断劳动时，给予一定的物质帮助，以保障其家庭基本生活需要的一种保障制度。 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.,社会保险与社会保障 Social Insurance and Social Security 社会保险与社会救助 Social Insurance and Social Assistance 社会保险与社会福利 Social Insurance and Social Welfare 社会保险与商业保险 Social Insurance and Commercial Insurance,我国法定社会保险五大险种 Five Types of Statutory Social Insurance,养老保险分类 Classification for Pension System,第一支柱： 基本养老保险 Basic Old-age Insurance 第二支柱： 补充养老保险（年金制度） Supplementary Old-age Insurance (Occupational Plan/Annuity) 第三支柱： 个人储蓄性养老保险（商业保险） Old-age Insurance by Personal Savings (Commercial Insurance),上海基本养老保险（原）,Basic Pension Insurance in Shanghai（Before）,上海基本养老保险（演变）,农村职工,Basic Pension Insurance in Shanghai（Evolution）,Rural Enterprise Staff,上海基本养老保险（now),Basic Pension Insurance in Shanghai（Now）,全国规模最大：2014年底，企业达7432家，覆盖职工120万人，积累基金506亿元，分别占全国的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.,上海补充养老保险 Supplementary Pension Insurance,上海储蓄型养老保险 Pension Insurance by personal Savings in Shanghai,含义：由职工根据个人收入状况自愿参加的一种养老保险 Definition: Pension that staff insured voluntarily according to their personal income.,养老保险关系转移接续 Transferring and Continuing for Pension Relations,制度内转移接续：跨省市双向转移，以企业职工养老保险为例 Insurance Transferring and Continuing Across Regions, Take Corporate Pension as an Example,养老保险关系转移接续 Transferring and Continuing for Pension Relations,确定待遇领取地 Identify the place to claim the benefit 总原则：户籍地优先，缴费年限从长，缴费时间从后 General Principal: the place of housing registration/place of domicile is the preference selection. 养老保险关系所在地与户籍所在地不一致 If the place where you contribute the pension is different from where you have the housing registration 从长：缴费年限满10年的参保地 Accounting the longest years of contribution: the place where the contribution reaches 10 years 从后：有几个参保地缴费都满10年则按最后的参保地确定 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. 如没有超过10年缴费的参保地，则转回户籍所在地 If none of the places where you make contribution for 10 years, then your pension relation will be transferred to your housing registration place.,制度内转移接续：跨省市双向转移，以企业职工养老保险为例 Insurance Transferring and Continuing Across Regions, Take Corporate Pension as an Example,制度间转移接续：跨统筹双向转移，举例 Example for Insurance Transferring and Continuing across Systems,养老保险关系转移接续 Transferring and Continuing for Pension Relations,基本概念：60岁以上的人口占比10或65岁以上人口占比7 Basic Concept: the percentage of aged people over 60 10, or 65 7,上海老龄化形式严峻： 截至2015年底，60周岁以上户籍老年人口超过430万人，老龄化率达30%（2015年底，户籍人口为1438.69万人 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%. 预计“十三五”期间，老龄化水平将达到36%，而2025至2050年将进入急速高龄化阶段 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”.,图：上海市2015年底人口结构情况 Shanghai Population Structure by the end of 2015 资料来源：上海市老龄委,上海人口老龄化 Trend of Population Aging in Shanghai,制度可持续发展 Sustainable Development of Pension System,渐进式延长退休年龄 Extending the Retirement Age Progressively,人口预期寿命增长 Expected Population Age Growth 应对人口老龄化 Coping with the Aging