The Analysis Of Pension Insurance And Fund Risks Of Residents Of Chongqing

Rural residents require more and more about old-age security with the highlight ofaging problem.In current case,to avoid rural endowment risk,support residents in theirold age and keep stable in rural area are the indispensability duty of government.Thestate department united the insurance department promoted a new rural old-age securitypolicy in experiment area based on the feature of investment of government’s financialin2009. According to this chief source,Chongqing city also promoted urban and ruralresidents social old-age security policy (Residents old-age security,also called Newrural insurance). After experiment,both the number of attending people and the attendratio increased evidently, also the performance continuing raised.But limited by thefuture characteristics and the testify at home and abroad of old-age security, the newrural insurance faces all kinds of risks in the progress of sustained development,especially for the old–age insurance fund,as strong point in policy.So,choose a fastdevelop area for new rural insurance,let the fund’s continuing development asbreach,evaluate and analysis the risks may appear in the promoting progress,and try toobtain an corresponding solution for risk-avoid, these are worthiness in practice andtheory.The writings mainly adopts models like: analogue simulation prompting,accurateanalysis,ELES measuring analysis, ARIMA and so on,research and analysisindividually in four ways: raising fund,preserve or increase the value,payingguarantee,supervision.The result are as follows:1) Raising fund.The mainly source is government’s financial subsidies andresidents’ charge,this are easy and the risk is small,but there are problems like:thefinancial subsidies difference is too large in areas and counties,personal charge is lowand so on,these can result in risks like negative effects to the whole financial expense,the fund can’t meet the requirements2) Preserve or increase the value.According to the analysis of measuringinvestment and combination，on the basic of current investment means,no matter thesocial plan accounts fund or the individual accounts,both they bear heavy pressure topreserve or increase the value,so far as to face devalue risks3) Paying guarantee. According to contrast the future residents attending pensionincome and rural residents basic expense amount,at present,RMB100,RMB 200,RMB400,these attending standard can’t meet rural residents basic consume in thewhole testing period,but about99%residents choose above3attending standards,sopaying guarantee risk is highlight in the future4) Supervision. Information hysteretic,govern imperfection,professional lever islow and so on,these limit fund supervision development and performance heavily,affect fund safety’s carry out.Above risks bring negative effects to the sustainable development of Chongqing’sresidents’ old-age insurance system...