Research On The Influence Factors Of Our Country Town Worker Pension Replacement Rate

Pension replacement rate is a country or a region an important part of the endowment insurance system,is one of the important reference measure retiree pension security level indicator.Pension replacement rate generally refers to the pension and wage income ratio of some different definitions.Our country town worker's pension replacement rate from 2005 to 2014,after 10 even tone,but due to the pension system design itself,and low level of an aging population,pension value factors,China's urban workers pension replacement rate is presented declining trend.Pension replacement rate of decline in retired worker's quality of life in the fall,at the same time increase the trust of the pension system crisis,weakening the redistribution function of the pension system,make the problem of intergenerational unfairness more highlighted.Based on 2005-2014 per capita pension income and social average wages ten years of accounting data,analyzes the evolution trend of urban workers pension replacement rate,the result of declining the pension replacement rate is obtained,and the impact of reduced pension replacement rate may.Then from the pension system design itself,the low degree of an aging population,pension and increasing three Angle analysis pension replacement rate decline reasons.In the pension system design point of view,and respectively from the base,capture expends fixed number of year,the retirement age,social four aspects analyzes the average wage of its influence on pension replacement rate.Along with the degree of population aging,the decline in the proportion of working-age population,the proportion of elderly population is on the rise,elderly dependency ratio improve,increased the demand for pension,reduced the supply of pension,so as to make the whole pension replacement rate decline.Low degree of pensions,in addition,the value is also the important factors affecting pension replacement rate decreased,because of a shortage of Chinese pension reserve and individual account "empty account" operation,do not have a high level of market-oriented operation,low investment yield,reason,cannot achieve the value of pensions,which reduces the pension replacement rate.Based on the factors affecting pension replacement rate decline again,put forward the corresponding countermeasures and Suggestions,such as adjusting the pension pay on the base of the lower limit,to extend the capture to expend fixed number of year,delay retirement,continue to carry out comprehensive two child policy,diversified pension investment channels,strengthen the supervision of pension,etc.,in order to can be used as a reference,which can relieve the pension replacement rate drop,retiree life safeguard level of ascension.