Problems And Countermeasures In The Management Of Personal Accounts For Basic Pension Insurance

In 1991,the State Council issued "on the reform of the endowment insurance system for enterprise employees of the decision"(Guo Fa[1991]No.33),officially began a nationwide basic pension insurance system reform,clearly pointed out that China’s basic old-age insurance management mode of social pooling and individual payment mode of combination of social pooling,which part of the implementation of the present pay as you go system(refers to the fund at this stage,close up the stage immediately for pensions,the fund issued)is the source of income,fund companies paid to laid-off workers or staff income,funds to pay their own national or local financial subsidies,interest income income and other income fund;individual account part of the implementation of fund accumulation system(refers to:will close up the funds in the bank or buy Other financial products,to ensure that the value of its value based on the increase,the main source of its individual account funds are:basic pension insurance personnel individual contributions,personal account fund interest income.After entering twenty-first Century,the number of China’s population explosion,at the end of 2016 has reached 1 billion 500 million,with China’s population flow,increasing social aging,resulting in the basic old-age insurance benefits payment and daily management of pressure surge,and in a period of time can not be improved.As everyone knows in the present stage of our country is a developing country,with Xi Jinping as the general secretary of the CPC Central Committee put forward the "Chinese dream",the elderly safe and happy life,is the theme of "one of the China dream",the issuance of basic old-age insurance benefits the stability is of great significance.At this stage,the basic old-age insurance system in China is still groping forward,in the face of such pressure,its problems are endless.Therefore,it is of great significance to find out the problems existing in the management of individual accounts of the basic endowment insurance.In this paper,the personal account management system of social insurance fund management center in Dalian as the research object,the actual problems by interview and questionnaire investigation in the form of a combination of business management have summed up the basic pension insurance personal accounts,and comprehensive use of interviews,literature research method,questionnaire method,the development of the basic endowment insurance system well,the basic situation of the personal account management,research management etc..First of all,through the existing literature and national laws and regulations,the concept introduced in detail the basic old-age insurance and personal account management;secondly,the use of interviews,a detailed understanding of the Dalian social insurance system,and the management of the fund of individual account,the actual content of the work,to handle the situation by telephone interview again;the form of the staff and the city social insurance fund management center,conducted questionnaire survey on basic pension insurance,personal account management of social insurance fund management center in Dalian problem is summarized.Finally,the above summarized the problem,and the social security agency staff to communicate and the basic pension insurance personnel,combined with the summary and results of questionnaire survey,Dalian This paper puts forward some countermeasures and suggestions to improve the management of Dalian social insurance fund personal account.