Research On Basic Pension Insurance Fund Balance

Old-age pension can provide a stable income source for retired workers. It has become a basic thing in our country's arrangement of social security matters. It is important for us to reform and improve this retirement pension in the course of perfecting our country's mechanism of socialist market economy. With the impact from population's aging on endowment insurance, the research pertaining to providing for the aged has been becoming one of the hot issues among academic organizations and policy-making agencies. The basic pension system is facing payment crisis at present. In response to these problems, China implemented a new basic pension system in 2005. superiority in recent years. Thus it is of great practical significance to analyze the problem theoretically and with exemplifications. This thesis analyzes the influencing factors of the unbalance of pension payment through data recorded in recent years, brings up corresponding countermeasures on the basis of national conditions.First of all, interpret the basic pension system theory and the mode of selection. Carding the economic theory of old-age security, analysis the three types of basic pension and compare the fund balance of the mode of financing and foreign situation of the basic old-age insurance system.Secondly, Described the new basic pension insurance in china and analysis the existing problems. Comparing the differences and similarities of the new and old basic pension insurance. ,clarity the characteristics of the new basic pension insurance system, analysis the problems of the system.Again, it is the core of the paper. According to the relevant Policy in China and the fact of tax evasion, inflation and governmental liabilities, a mathematics model of pension insurance fund's balance between receipt and expenditure is constructed. Furthermore, the paper carries on sensitive analysis about the main influence parameter an studies the influence degree on fee income, benefit and government's liabilities from the parameter's fluctuation.Finally, based on the above analysis, Making recommendations of the basic pension insurance of china. By learning foreign experience the pension insurance fund equilibrium strategies are mainly founded on the Parameter sensitive of pension insurance fund balance between receipt an expenditure in this paper. According to the basic parameter hypothesis which matches relevant policy in China, the paper finds out the main controlled factors and arguments these measure's maneuverability in the reality, we conclude the 3 main measures of adjusting parameter, these are: lower the pension substitution rate, increase the collect contribution rate in tax method, extend pension insurance overlay to increase the contribution population growth rate.