Research On Urban Employees’ Personal Savings Endowment Insurance Under Multi-pillar Endowment Insurance System

With the continuous increase of the number of elderly people in China and the continuous increase of the elderly support coefficient,the degree of population aging faced by our country is getting deeper and deeper.In order to cope with the prominent social problem of population aging and practically solve the problem of old-age pension,according to the relevant experience of foreign countries to deal with the problem of aging population,China has combined with its own development to build a basic pension insurance system,enterprise(occupation)pension system and individuals The savings pension system is a multi-pillar pension system with national characteristics.The construction of the old-age insurance system has indeed effectively alleviated some of the social problems caused by aging,but in the development of the multi-pillar old-age insurance system,it also faces the problem of uneven development of each pillar: the basic old-age insurance system has been relatively well developed and has been Basically,full coverage has been achieved,and the development level of the second and third pillars of supplementary pension insurance has not been high,especially the development of personal savings pension insurance has lagged behind.It has long stayed in policy encouragement,and small-scale pilots have only just begun..This development status not only affects the overall guarantee capacity and level of the pension insurance system,but also affects the sustainable development of the multi-pillar pension insurance system.Therefore,in order to better protect the rights and interests of the elderly and improve the quality of life of the elderly,it is necessary to improve the multi-pillar pension insurance system as soon as possible,make up for the shortcomings of the development of personal savings pension insurance,and fully play its role as the third pillar To increase the income channel of the old-age pension and truly realize the old-age pension.This article takes the personal savings pension system as the research object,and studies the problems in the development of personal savings pension insurance under the background of the aging population and the uneven development of the multi-pillar pension insurance system.By sorting out the reform process of the urban employee pension insurance system,we have systematically understood the development process of personal savings pension insurance.In addition,the article focuses on the problems faced by the development of personal savings pension insurance in combination with the survey of urban employees in Zhengzhou.The study found that the personal savings pension insurance system faced practical problems such as the lagging system development level,the lack of understanding of the system content by employees,the low awareness of individual participation,and the low system participation rate.For the reasons for these problems,the analysis of the system itself includes the irrational design of the pension insurance system,the crowding-out effect between the different pillars,and the related supporting policies are not perfect,and the system is not attractive;from the government’s perspective,the relevant departments are mainly Inadequate publicity of content makes individuals lack of understanding of the system;for individuals,it is mainly affected by traditional ideas,the lack of personal awareness of old-age responsibility and limited income level.In view of the dilemma faced by the development of personal savings pension insurance in the development,the article proposes to promote the development of the system from different aspects,including the macro should rationally plan the functional positioning of each pillar pension insurance to avoid the system crowding out effect,while also It is necessary to improve the relevant policy support,build a strict supervision mechanism,and ensure the orderly operation of the system.In addition,in the specific implementation,we should strengthen the promotion of the content of the system,enhance personal awareness of self-security,take multiple measures to increase personal income levels,and enhance participation.