Urban Enterprises In Shaanxi Province, The Basic Pension Insurance Fund Balance Factors Analysis

Social security as social "stabilizer" and "safety net", is of great significance to social development. Social security funds as the special interest accrual fund are collected compulsively by government legislation, are "the life of money" and "help life money" to broad participating insurance labors. It is the material base to the normal operation of social security system. The balance of payments of endowment insurance fund is the key to sustainable development to guarantee the endowment insurance system. Therefore, the analysis to the balance of payments of endowment insurance fund has the important practical significance.As aging phenomenon large increasing in shaanxi province be in the majority of state-owned enterprise and difficult enterprise, endowment insurance fund defict is critical. Therefore, the relation research to basic endowment insurance problems to town enterprise workers in shaanxi province is very urgent. In the new historical period state advocates scientific development concept and harmonious social, shaanxi province, the large population and old state-owned enterprise inland, the history debt of endowment insurance fund is seriously. In recent years, along with the town enterprise retirees growing rapidly in shaanxi province with the country continues adjust to retiree basic annuities treatment, current defict of endowment insurance fund balance is in expansion trend.In this paper, under the case of shaanxi province, in-depth analysis and research under the mode of endowment insurance fund financial sustainability, analyzed the income and payment data from 2001-2010 years of shaanxi province town enterprise worker basic endowment insurance fund, reach a conclusion about influence endowment insurance fund balance key factors, including the participating insurance numbers, capture expends numbers, on-the-job average wage, retirement numbers, collection ratio, etc. On this basis, combining with the development reality of town enterprise worker basic endowment insurance in shaanxi province, analysis the problems in the operation of town enterprise worker endowment insurance fund, indicated the measures and suggestions of provincial plan as a whole mode in balance pension funds. And to realize the sustainable development of endowment insurance fund, utilize the actuarial theory of insurance predicte the income and payment balance of endowment fund in the future 20 years.