Research On The Influence Of Thepension Fund Balance Of Payments Of China’s Urbanbasic Pension Insurancecaused By Reducing The Contribution Rate

Accompanied by the disappearance of demographic dividend and the coming of the Lewis Turning-point,aging society is growing.The problems of supporting the old people are important,which is the highlight in the field of the people’s livelihood.The basic old-age insurance system for employees provides basic protection for workers in old age.However there are some certain problems in the context of aging population growing,the contribution rate is the most difficult and urgent of all.At present,under the background of the economic reform,the companies have more issues,such as the transformation of pressure and the high production costs.As an important transaction cost,the endowment insurance,accounts for the most spending.Therefore,it is necessary to reduce the contrbution rate,which means the social security reform transform from the demand-side to supply-side.The prime minister also said that we should reduce the rate of the social insurance rate and housing fund timely in the two sessions of 2016.Until now,21 provinces have done.As we all known,the reduction of the contribution rate is associated with the balance of endowment insurance fund.On the one hand,we appeal to reduce the enterprise cost.On the other hand,we are worried about the safety of the endowment insurance fund.The thesis is divided into five chapters.The first chapter is the introduction.This chapter describes the research background,research significance,research contents and methods and points out the innovation and inadequacies.The second chapter is the theoretical research about this thesis.This chapter mainly elaborates the history and current situation of the contribution rate.Comparing the status of domestic and international endowment insurance payment rate,there are some problems about the contribution rate in our country at present.The third chapter introduces the fund of the old-age insurance,the existing problems ofthe balance.The forth chapter is the empirical analysis.Through constructing the Cobb-Douglas and pension balance model,the chapter design three kinds of the contribution rate and calculates the effects of different schemes on the balance of pension insurance fund.The fifth chapter is the last one.According to the social development,this chapter puts forward the appropriate endowment insurance payment rate which is connected with the fund balance.At last,the paper put forward some suggestions.