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财政补贴将双向发力 养老保险个人账户利率或提高
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Topic: 财政补贴将双向发力 养老保险个人账户利率或提高 (Read 141 times)
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财政补贴将双向发力 养老保险个人账户利率或提高
May 13, 2017, 03:36:47 AM
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如果你有关注自己的个人养老账户余额,就会在每年一月份的账户上看到一笔除了养老保险费用之外的款项,这多出的钱就是上年度个人账户的利息。如今,随着全国各地方机关事业单位养老保险并轨的尘埃落定,个人账户记账利率办法也终于出台,这笔款项有望进一步增多。
近日,人社部、财政部联合发布《统一和规范职工养老保险个人账户记账利率办法》,对基本养老保险个人账户记账利率作出如下规定:统一机关事业单位和企业职工基本养老保险个人账户记账利率,每年由国家统一公布。同时表示,记账利率不得低于银行定期存款利率。
“过去,基本养老保险个人账户储存利率由养老保险经办机构每年参考银行同期存款利率计算利息,基本按照人民银行一年期定期存款计息。如今,新法第一次明确统一企业、机关、事业单位职工基本养老保险个人帐户记账利率,并首次确定记账利率将考虑职工工资增长及基金平衡状况等因素研究确定,这一做法暗含了财政补贴将部分 暗补 变成了 明补 。”5月11日,武汉科技大学金融证券研究所所长董登新接受《华夏时报》记者采访时表示,职工基本养老保险个人账户计账利率的全新确定方法,既可抵御通胀风险,又可起到保值增值的作用。
利率参照一年期定存偏低
我国基本养老金构成有两部分,一部分是由企业缴费形成的社会统筹基金,另一部分是参保者缴费形成个人账户基金。
养老保险个人账户是根据国务院《关于深化企业职工养老保险制度改革的通知》规定建立,按月记入的,且只有建立个人账户的职工达到国家法定退休年龄并办理退休手续之后才可以领取。领取之前,这部分基金在各地的养老金个人账户记账利率不同,有的地区按照参考同期的银行一年期整存整取的存款利率,有的地区是参考上年度一年的定期存款利率、国债利率、居民消费价值指数的因素确定记账利率。其中,较多的是按照一年期的银行存款利率。
据记者了解,不同银行的存款利率不同,但是,大部分一年期银行存款利率为1.75%。
“基本养老保险个人账户基金属于缴费职工个人所有,仅用于其退休后的养老金给付,可以说个人账户基金存续期长达几十年以上,是一笔典型的长期资金,如果由个人自主进行投资,即使采取最保守的银行存款,至少也可以获得五年期存款利率回报,远远大于此前的一年期定期存款利率。”5月11日,中国养老金融50人论坛特邀成员孙博接受《华夏时报》记者采访时表示,我国基本养老保险分设社会统筹与个人账户的初衷在于调动个人参保积极性,减少国家财政压力,形成国家、企业和个人共同负担的养老保险体系,但是,按照一年期银行存款计息,过去某些年份有时候还跑不赢通货膨胀,不利于调动个人积极性。
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