Enterprise Workers Pension Calculation And Distribution Of The Evolution And Improvement

With the aging of the population, diversified forms of employment and development of urbanization, Current basic old-age insurance system is gradually emerging out of socio-economic development and the problem of incompatibility. Main features : coverage is not wide enough, a large number of individual industrial and commercial businesses, towns and flexible employment has not insured; old-age insurance personal accounts and do not really realize the system of accumulation mode it difficult to cope with the aging of the population of the Fund's needs; Total fat pensions approach is not entirely reasonable. lack of policy holders pay the incentive and restraint mechanisms; basic pension adjustment mechanism is not yet perfect, and the overall level of pensions is not high; relatively low level of co-ordination and implementation of most parts of No provincial co-fund transfers weak; Enterprise Annuity has been slow to develop, multi-level old-age security system No established.Total fat pension insurance is a critical link in the system, involving the majority of insured the vital interests. ShengLi Oil Field workers pension dollars fat approach has undergone two stages.The first stage, for the profession overall plan stage, the time was in December, 1998 before. The enterprise staff pension idea sends the means is retires the before title based on the staff, the duty as well as the wage level. This kind of idea sends the means to have an obvious flaw, is the pension height pays expenses with the old-age insurance completely to be separated from, pays expenses how many to pension not any influence, greatly dampened the general staff to pay expenses the enthusiasm. And along with the wage level unceasing enhancement, even more increased the superannuation fund burden. The second stage, to the provincial level and Manpower stage time in January 1999 after. Enterprise workers pension dollars with the start of individual accounts linked to the old and new approaches a five-year transition period.According to the account, pay for more than 15 years. basic pensions by local workers on an annual average wage of 20% of hair, personal pension accounts by the amount of storage accounts 1/120 the account. With the passage of time, such an approach to the account of the shortage are slowly revealed. This means that there are two issues : One is a lack of insured pay the incentive and restraint mechanisms. Payment for more than 15 years the insured can pay staff more but do not meet the social insurance rights and obligations corresponding to the principle. There is a small number of people aged 15 fee after the unwilling to pay. second is not in line with the actual situation of retirees. My current retirees after retirement the average life expectancy of 25 years or more. Under the existing terms and made way for storage of personal accounts for 10 after leading the end. Therefore, this is not quite rational approach should be changed.This approach to reform the account is insured based on the number of years the premium to take account of the base, Total fat or fat ratio and the number of months to adjust and adopt "a new approach to newcomers, the elderly, People gradually transition "approach to design.After the reform in accordance with the new program, will be able to pay more. Under the new terms of basic pensions issued, the insured to each pay an additional percentage point a year, not caps, conducive to the formation of a "more work, more pay, more in pension" incentive and restrictive mechanism Moreover, this is also more in line with the average retiree lives more than the actual situation.Total fat new approach to the way the original terms of the internal structure adjustment a new program to increase basic pensions in the basic old-age pensions in 1999, the base pay of individuals, Payment life after retirement and the treatment of the work. Work long hours, late retirement, pay more to retire after leading the basic pension is high. This article take old-age insurance system essential link -pension idea sends the means as to cut into the spot, sent the means to our country pension idea the evolution history to carry on has combed, had discovered the new pension idea sent the means still remaining in the question, as well as the pension idea sent the means the change the influence which brought to the staff to carry on the analysis, proposed in this foundation the consummation pension idea sent the means the policy suggestion.