The Research On Chinese Personal Account's Management Model And International Experience For Reference

With the arrival of the ageing of the world,countries around the world are changing the traditional pay as you go old-age insurance system into part accumulated or total accumulated system.Reduce financial pressure of the country,stress personal responsibility and introduce market mechanisms is a great trend.Personal account is an important innovation in the development of Old-age pension system.China in 1997 decided to establish a Commission old-age insurance system with social account and personal account,and then established the social security fund.However,the transformation cost and "the confused management" of personal account which caused personal account empty running.China hasn't achieved part accumulated old-age insurance system yet.There is great shortage of management model options and(IDP) implicit pension debt problem-solving ability in china.So it has practical meaning that carrying on discussing for Chinese endowment personal account management.First,the present article briefly recalls the development of employee's basic endowment insurance in Chinese enterprises.The analysis of the management of personal accounts in China,which is from two aspects including IDP and real individual accounts moving in the pilot.In this paper,I selected the three successful sample of Singapore government centralized management model,Chile private decentralized management model and Sweden relatively centralized management model to analyze.Through analyzing the management of personal accounts in China and t a comprehensive comparison of he three typical cases,give some reform suggestions adapt to the commission old-age insurance system with social account and personal account,and related solutions for practical obstacles.To this end the author of China's pension choice of the management of individual accounts is to explore reality.