Research On Pension Insurance Of Private Corporations

Since the reform and opening up, people's life expectancy has increased significantly with the continuous improvement of material life. China as well as the whole world will mark the peak of an aging society. In this regard, pension issue is becoming a major one which related to people's livelihood. Higher demands of this issue are expected on the establishment and improvement. Private corporations, as important parts of market economy, has occupied crucial strategic place in China's national economy. Indeed, pension insurance of private companies is becoming a focus of attention. Defects of those private firms, such as lower insurance rates, inaccurate reporting of base payment, high payment rates and troubled fund collections, hold back the pension insurance system from implementation. Those defects have hindered China's pension system to improve and perfect, which directly affect the country's stability and unity. In order to protect the interests of masses, the establishment of an effective pension system has become a Gordian knot in both theory and practice boundaries.Based on the definition of pension insurance, and history of its evolution, combined with the development of private enterprises, this thesis, using standardized methods, deals with the issues of insurance rate, base declaration, payment rates and other related problems. Employees and private entrepreneurs are internal factors, and laws, regulations and supervision are external aspects of pension insurance evasion. Through penetrating analysis, this thesis puts forward proposals of pension insurance modification and perfection.This study enriches private pension insurance theory, summarizes the evolution of its endowment and finds defects of private firms relating to pension issues. All the above become reference material of healthy and orderly development of private pension insurance, effectively protect the insured's interests and contribute to building a harmonious socialist society.