Research On Sustainable Development Of Basic Endowment Insurance Fund For Urban Enterprise Employees In Shanxi

With the increasing of population aging,the endowment insurance system becomes the topic of public debate.Old-age insurance system is the core of endowment insurance fund,the fund operation process can achieve long-term balance of payments and ensure the sustainable development,directly determines the endowment insurance system can play its redistribution effect effectively.In recent years,our country is in the system transition period,the historical cost and pension treatment to improve the conversion to the endowment insurance fund balance of payments has brought the huge challenge,therefore,how to improve the ability of future pension insurance fund support,ensure the sustainable development,is the focus of this thesis research.Taking Shanxi Province town business worker as the research object,comprehensive consideration and extract the influence on the endowment insurance fund balance of payments and the balance of the six main factors: social average wage,the number of ginseng protect on-the-job worker,contribution rate,the number of ginseng to retire,replacement and return on investment,through collects pay endowment insurance fund income and expenditure and balance formula to establish the basis of the calculation model,and then according to the change trend of each parameters in 2005-2016 forecast for 2017-2030 of endowment insurance fund balance of payments situation,to analyze its sustainability,predict the future possible fund gap size.Results show that in 2019 in Shanxi Province town worker is basic endowment insurance fund balance current negative for the first time in 2024,endowment insurance funds accumulated surplus will also be negative,spending more and more obvious.Since then,in this paper,using factor analysis method,the growth rate of income and expenditure of funds product decomposition and add and decomposition,respectively from the effect of various parameters and the effects of parameters of contribution rate,the town enterprise worker is basic endowment insurance fund balance gap in Shanxi Province is mainly affected by on-the-job worker social average wage,the number of ginseng protect on-the-job worker and the influence of factors such as ginseng to keep the number of retired worker.According to these factors,the paper from the endowment insurance fund income and expenditure,investment supervision,etc,put forward a series of policy Suggestions,in order to realize the sustainable development of the fund to provide method and basis of endowment insurance system reform for the future to provide theoretical support and other related work.The innovation point of this paper is to analyze the causes of fund balance gap which may appear in the future.In this paper through the study of two phase change fund income and expenditure,according to the speed of growth and development two aspects of fund and the decomposition studies these two indicators,calculated the influence parameters of the effect of different values,analyze the main cause of the fund gap.This method has been widely recognized by scholars both at home and abroad,but it is a new attempt to analyze the cause of the balance gap of pension fund.