我国养老保险资格认证存在的问题及对策

摘要

The administrative department of social insurance sets mandatory prerequisite in measures of qualification certifica-tion for retired people who draws endowment insurance fee, which adds civil duty. Its legitimacy and necessity are negotiable. Analyz-ing from the disadvantages of the qualification certification, the essay puts forward five steps to avoid cheats in endowment insurance fee. First, transforming mind and catching the keys of supervision;second, adopting suitable measures to restrict the offspring of re-tired people;third, establishing platform and co-share information to reinforce supervision;fourth, formulating policy to propel the in-novation of the forms of social insurance supervision;fifth, amending laws and stipulations to ensure the rights and interests of old people. Thus the problem of cheating endowment insurance fee can be solved gradually.%社保经办部门养老保险资格认证措施系对退休人员领取养老金待遇附加了强制性的前置条件，增加了公民义务，其合法性和必要性值得商榷。从该资格认证方式存在的弊端入手进行分析，建议采取五步法防范骗保：一是转变思路，抓住监管关键；二是采取措施，约束老人子女；三是建立平台，共享信息加强监管；四是制定政策，推动社保监管方式创新；五是修改法律规定，着力保障老人权益。藉此逐步解决冒领养老金的监管问题。