Research On The Sustainable Old-Aged Insurance Fund In China

With the arrival of the aging populations, the old-aged insurance has become one of the most important issues concerned by the government both home and abroad. For our country, the old-aged insurance is greatly related with the reform, development and stability of our motherland, directly influences the economic development and social harmony.Now our country faces the following difficulties in the aspects of raising the funds of old-aged insurance. The area of old-aged insurance covering is narrow and single, the law mechanism of old-aged insurance fund raised not sound and etc. The aspect of payment of the old-aged insurance fund, our country faces the problem of aged population, turning to retire early, changing costs so that it pays the money difficultly gradually. In the aspect of the investment of old-aged insurance, our country faces the problem of fund management system being not fluent, lacking the conducting corpus, the large investment's limitation and the narrow investment's scope so that affected the old-aged insurance fund. In the aspect of old-aged insurance fund management, our country faces the problem of bad seeing system, the phenomenon of fund running off seriously, the finance management means and systems falling behind and etc.The writer has analyzed the reasons of the above-mentioned problem. Through analyzing the raising mode and the investment mode about the foreign old-aged insurance fund, the article set up an old-aged insurance that suits the our country state of the nation and keeps on. This text tells us about the choice of the development management mode to the our country old-aged insurance from the following four angles: To execute legal system strictly, and make use of the authority of the law, and punish the owing persons; High level of payment resulted in reasons of parts of business enterprises and personal escaping payment, so the reasonable payment level must be made decision. High and low payment will affect direct the old-aged insurance raising fund and activity of guarantors, High payment will affect the competition abilities and economic development, therefore, only right payment can settle the problem. Through drawing lessons from the abroad old-aged insurance management mode and combining our country managements, the writer thinks that our country should practice the private management mode with national administration management for assist and the market management in order that we can set up good management situations.For creating a good investment environment, our country should draw up the related laws to carry on the stipulation to the organization investors, however, the government and related working talents should also take charge. At last we can protect the value to increase efficiently.There are some following methods in the text: Comparison method about that analytical and international experience of state of the nation. The purpose lies in combination of two aspects based on state of china and lessons from the experience abroad. This text still adopted the method including an analysis of the norm researches. The target of study is dual. It lies not only in the breakthrough in the theories but also in directing management experiences. In the end it will contribute to development of the old-aged insurance.