Research On Residents Of Urban Personal Account Pension Payment Leve

The endowment insurance system in our country after the reform and construction of more than 20 years,has been established and the formation of a multi-level,multi pillar old-age insurance system model,including the supplementary pension insurance and individual savings endowment insurance system of basic old-age insurance,the enterprise.In the construction of urban scale,although the old-age security system has covered the state-owned enterprises and institutions and personnel,part of the collective enterprises,security personnel and the flexible employment of unemployed urban are still be covered.In recent years,with the rapid aging,old-age security increasingly prominent problem.Shenyang,as the capital city of Liaoning Province,the core of the Northeast Economic Zone,the aging of the population problem cannot be ignored.According to the Shenyang Municipal Bureau of statistics released "Shenyang city in 2010 sixth census data bulletin",according to the report,Shenyang City,the aging population has become more and more serious,the average annual growth rate is greater than the level of Liaoning province and even the national level,the population age structure will change in Shenyang city have a wide impact on the social,economic,family so,many problem to be solved.In this paper,the current residents of Shenyang city endowment insurance payment system model based on the construction of urban residents,the actuarial model of individual account payment level,analysis of quantitative and qualitative adjustment mechanism on the payment level,determine the appropriate interval level endowment insurance for urban residents,and calculating and analyzing its feasibility.At the same time,the existing problems and the influencing factors of urban residents personal account pension payment level analysis,and draw reasonable conclusions and suggestions,make it more perfect,better to do "the basic,wide coverage,resilient,sustainable".The article is divided into five parts:The first chapter of the concept to the content of a proper explanation and a slight extension,including the concept,the concept of urban endowment insurance personal accounts,payment level,and the related theories including the theory of social endowment insurance,personal account determination payment mode theory,fairness and justice theory and labor endowment insurance level theory.The second chapter describes the payment level status in Shenyang city urban residents to participate in personal accounts,including the status of individual account payment mode status and payment level.Problems include low coverage and payment level low.The third chapter is the core part of this paper,in this chapter,constructs the actuarial model of Shenyang city urban residents personal account pension payment level,quantitative and qualitative analysis of the individual contribution level,determine the appropriate interval payment level,and carries on the analysis to the ability to pay appropriate payment level interval.The fourth chapter analysis the influence factors of urban residents pay the personal account pension insurance for urban residents of the level of.This chapter using the method of questionnaire,selection and the reasons for individual account payment level main component analysis,and to analyze the factors influencing the payment level.The fifth chapter is the conclusion part,according to the calculation and analysis of the above,draw the corresponding conclusion,and put forward the Shenyang urban residents personal account pension payment level policy recommendations.