The Analysis On Structure Level And Influencing Factors Of Urban Per Capita Endowment Insurance In Shanxi Province

The primary goal of the social pension system is to prevent the risk that the agedpeople may suffer from the reduction or loss of income after the retirement. Itsessence is to guarantee retirees’ income through the income redistribution. This kindof enforced income redistribution can not only balance insurants’ conflict betweentheir gains and consumptions throughout the lifetime but also achieve mutual-aidamong different generations and different social members. The per capita pensionlevel, as one of the reference indexes of the pension insurance system guarantee level,not only concerns the living standard for working people after their retirement, butalso determines how well the pension insurance system will function. The structurelevel of the pension insurance focuses on measuring the resource matching situationof different items within the social security system.After reviewing the development of Shanxi’s pension insurance system forurban employees, this paper, by constructing a measuring model of the moderatestructural level of per capita urban pension insurance, measures Shanxi’s moderatestructural level of per capita urban pension insurance that will be compared with theactual one so as to draw a conclusion. Based on these, the paper combines the factorindexes influencing pension level and constructs a regression model of factorsinfluencing the per capita pension level to select the optimization model, the variableindicator of which will be treated as the major reference factor that influences thebasic pension level.