社会养老保险与商业养老保险的关系分析

处理好社会养老保险与商业养老保险之间“度”和“量”的关系，对于建立我国多层次的养老保险制度是至关重要的。文章利用微观经济学的消费者选择理论，从近期横向和跨时期纵向两个方面，对我国社会养老保险和商业养老保险之间的关系做了微观的分析，以期揭示两者之间相互影响的微观机制，从微观角度再一次说明；社会养老保险和商业养老保险之间不是简单的此消彼长的关系。社会养老保险的保障水平如果制定得过高，才会排挤商业养老保

An Analysis of Relationship between the Old Age Social Security and the Endowment Insurance

The paper discusses the relationship between the old age social security and the endowment insurance. It makes some analysis on micro level from two different aspects, one is the short run consumer's choice, the other is the long run consumer's choice. Finally, on micro level, it points out again that if the level of the old age social security is made too high, the old age social security will crowd out the endowment insurance.