The Improvement Of Individual Account Pension System For Urban Workers In China

The old-age insurance system of social security has always been an important topic nations focus on over the years.The old-age insurance for the urban workers is not only about their income redistribution,but about their living security after the retirement.Therefore,the endowment insurance for the urban working group is especially paid more attention to.since 1997,our nation has explicitly taken integrating social pooling with individual account as its pattern.For more than twenty years,with the development of aged tendency of population in our country and the self issues of individual account system,a series of problems have arisen in the process of our nation's individual account system development.Thus,this thesis tries to study the improvement strategies of individual account system of the old-age insurance for the urban workers.This thesis explores theoretical basis of individual account system of the old-age insurance for the urban workers with document research and data document.on the basis of theory research and combining with development process and current situation of individual account system,this thesis analyzes some problems resulting from the serious impact the aging population having on individual account scale of individual account,the individual account fund's investment operation meeting difficulties and so on.With these problems,this thesis does a further research and comparison on the individual account systems of three countries: Singapore,Chile and Sweden with the method of composition of individual account,from the aspects of the composition of individual account,the payment of fees,calculation and offering,receiving,and the individual account fund's investment operation,and summarizes advantages for reference from the individual account of pension system of three countries.The last chapter,on the basis of our national conditions and combining with foreign experience,concludes the measures and suggestions to improve individual account system of the old-age insurance for the urban workers.First,from the aspects of the transformation costs the government bears,account-divided management of social pooling and individual account,and achieving fund's investment operation,it concludes the suggestions to carry out the individual account system for the urban workers.Second,it makes a summary of improving the individual account fund's investment operation in China,from the perspectives of clearing funds investment subject,improving capital market mechanism,and reasonable selection of fund investment tool.Last,from the aspects of promoting information and transparency in supervision of individual account,and improving supervision laws and regulations of individual account system,it summarizes suggestions to perfect the supervision system of individual account system in China.