| The endowment insurance is most importantly society to guarantee to constitute part in the system, it relates to each old people life after retiring, the development of international endowment insurance system probably experienced two stages, one was the social orchestration mode that at the beginning accepts to pay first now, what this system emphasize is national of macro view adjust to control, embody of is the average allotment to the social total wealth, rose in Germany at the earliest stage, and expanded into an international community gradually, however, along with the development of the social economy and the variety of the population age structure, the system was gradually expired, the international community started to new system of quest.The second stage is the fund backlog system stage, the characteristics of the biggest system be original of pay risk to transfer to individual, biggest alleviated governmental of public expenditure, this kind of newly arisen endowment insurance system the mode build up in British colonial Singapore, Malaysia etc. nation first, and gradually drive appear other nations in the world that the old age pension pays a crisis accep.Personal account system of our country began from July12,1986at the earliest stage, State Department led to go into to pay a fee mechanism for the very first time and took this as sign, and the our country started the quest to personal account system.The article is mainly divided into five chapters:Chapter1mainly introduces at home and abroad to the research circumstance of old age pension system, can see at home and abroad from each scholar’s main thought, mainly still concentrate to the research of old age pension system at exactly is continue to practice to accept to pay first to make or lead to go into all new fund backlog system now;Chapter2first to accept to pay first to make now and the fund backlog system carry on simple contrast, then analyzed according to the concrete state of the nation our country why will choose the system mode combining all Zhang, the end carries on theory analysis towards orchestrating account and personal account respectively;Chapter3in brief introduced the development process of our country old age pension system first, and aim at and reform process analytical personal account’s getting empty the direct inducement of the creation of Zhang problem is a huge sum of to turn to make into origin and old age pension to invest rate of return over the low etc., but make personal account get empty the scale of Zhang to turn worse reason continuously to orchestrate account to pay to appear indentation then and continuously push to have to personal account thus, main performance for old age pension ego the burden lead higher and the old age pension pays a fee rate higher causablely accept to pay shortage;Chapter4according to preceding paragraphs to our country development process and reform road top of endowment insurance personal account system appear of the analysis of problem, again combine foreign reform fulfillment mainly is to take the reform fulfillments of Chile, Singapore and Sweden as an example, and lead to from the population structure, economic environment and policy etc. carry on a domestic and international contrast research, end give oneselfs some suggestions;Chapter5summarizes the article, and envisages the future development path of China’s pension reform,it also hopes that China can successfully brand a new way to different revolution.Take a wide view the system of whichever nation to turn into processes in the world all be full of an antinomy, each system really signs to all want to experience a "whet to match" that the long time expects, in this process, there is the creation of new problem, there is also solution of old problem, this is a development process of dynamic state, can reasonable solution system change process in output of a series of problem come to a decision the success or failure of reform.The endowment insurance system of China reforms no exception, in aftertime boundless reform road up will also appear to allow much more new problems, the reform of the our country endowment insurance system faces more and more rigorous challenge.In the not far future, Chinese society will follow advanced age to turn gradually, the endowment insurance system is the together solid natural cover that guarantees old people’s old age to live, and it directly relates to many old people.We should believe government can continuously perfect endowment insurance system, personal account the empty Zhang waits a series of problem to"uproot" and promise that the endowment insurance system reform can be Bon voyage and guarantee each old-age citizen to retire to enjoy life rights to be free from invasion most basically. |
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