Research On The Utility Of Occupational Pension's Substitution Rate In The Government And Public Institutions

Summary the reform of the endowment insurance in the government and public institution,end of a pension for dozens of years "dual track system".Pilot SOEs in the pension reform process,the pension issue has become a focus of the government and public institutions' staff,worried about pension reduction,leading to losses in equity,which can be seen from the sluggish implementation of pension reform.To a certain extent to solve civil servants on retirement pension gaps that may occur after,occupational pension as the second pillar pension institutions personnel should play its proper value,only in this way will be able to better promote the reform ofold-ageinsurancesystem,perfectingthe social securitysystem.Occupational pension is organ institutions basic pension insurance system of added,it of established and perfect,directly related pension insurance reform our country organ institutions personnel of pension treatment level,related new and old pension insurance system of convergence,related the development trend of occupational pension future.Through compared the difference between before or after reform,participate in pension insurance and not participate in pension insurance,difference between participate in occupational pension and not participate in occupational pension,makes organ government and public institutions personnel better of accepted pension insurance reform and active of participation in,the best Assistant to make it a pension reform.In the study of occupational pension replacement rate at the same time,analysis of factors affecting occupational pension replacement rate,found problems in the existing occupational pension system in the construction of and countermeasures for the construction of occupationalpensioninstitutions proposal.In research methods,this is literature research,comparative analysis,and mathematical analysis.Through large of collected both at home and abroad on career annuity of literature,check out has in recent years domestic on pension insurance reform and career annuity system latest of research results,compared analysis pension insurance reform before and after workers retired of pension alternative rate,introduced insurance fine is model,calculation career annuity on organ institutions pension alternative rate contribution,from this while described occupational pension in government and public institutions in the of utility,last obtained career annuity in governmentandpublicinstitutionsin theofutility.Paper main from following several aspects on government and public institutions in the of utility for has research: first,introduced summary has both at home and abroad for occupational pension of concept,and classification,and development and system mode,of related theory reviewed;second,inquiry has occupational pension of main theory based,from this angle starting,research government and public institutions and workers in pension insurance reform in the of role positioning;third,main for organ institutions occupational pension alternative rate fine is model design,introduced reform before and after of pension alternative rate calculation method.Design effect alternative rate of factors,using insurance fine is balance principles will be after reform of pension alternative rate model design out;fourth,for pension alternative rate of empirical research,and career annuity alternative rate the effect factors of research;fifth,combined China existing of occupational pension system construction in the of problem,from funding and investment operation aspects proposed government and public institutions building occupational pension system of recommends;last pointed out that this research of conclusion andonfutureresearch ofprospect.The innovations of this research is that first,more targeted,more comprehensive,and detailed of for has government and public institutions established occupational pension plans and units workers joined occupational pension plans of need of theory explained,can for organ institutions and workers in pension insurance reform in the out of a article occupational pension road;second,from occupational pension alternative rate angle starting,using insurance fine is balance principles,design out basic pension insurance and occupational pension alternative rate model,Study on endowment insurance reform substitution rateof the pension of the former staff,also parts of the composition of the reformed pension replacement rate changes,replacement rate of occupational pensions on employees' pension contributions to study the effectiveness of occupationalpension institutions.