運城市基本養(yǎng)老保險基金收支平衡問題研究
[Abstract]:The old-age insurance system of the unified account system in our country can overcome the defect that the pay-as-you-go system can't cope with the aging of population and the complete accumulation system has no redistribution function in theory. It is an ideal model. However, Yuncheng's practice in recent years has not proved the superiority of this practice. At present, Yuncheng's basic old-age insurance is facing. According to the statistic annual report data of Yuncheng Endowment Insurance Management Service Center and related investigation data, we have preliminarily refined the general situation of Yuncheng Basic Endowment Insurance, from which we find that there is a serious imbalance of fund income and expenditure in the development of Yuncheng Basic Endowment Insurance. The insurance fund has long been in a state of overpayment, and the gap of the fund has been widening year by year in recent years. The fund payment pressure is enormous. These imbalances seriously affect the sustainable development of Yuncheng's endowment insurance.
Based on the current system of basic endowment insurance in China, this paper establishes a mathematical forecasting model to deduce the future operation of endowment insurance funds in Yuncheng City. According to the statistical data of Yuncheng Endowment Insurance Management Service Center and Yuncheng National Economic and Social Development Statistical Bulletin, this paper predicts that the basic endowment insurance fund in Yuncheng will continue to be in a state of overwhelming income and must use the past accumulation during the five-year forecast period. The accumulative fund will replenish the gap between revenue and expenditure, but the funds accumulated in the past will be exhausted and run into deficit by the end of 2016. With the aggravation of aging, Yuncheng Basic Endowment Insurance Fund is short of self-solvency in the long run without government financial subsidy. It is imminent to propose measures to make up for the gap between the national conditions and the specific circumstances of Yuncheng.
Based on the study of the balance of the basic pension fund, this paper analyzes the current situation of the problem of overpayment in the actual operation of Yuncheng pension fund, and analyzes the main influencing factors, such as the high replacement rate of pension, the heavy burden of pension insurance and other institutional factors, as well as the low collection rate and the low operating rate of the pension fund. On this basis, the countermeasures and suggestions are put forward, such as the development of supplementary endowment insurance, the gradual extension of retirement age and other institutional suggestions, as well as technical suggestions to improve the collection rate of endowment insurance and diversification of investment to ensure the preservation and appreciation of the endowment insurance fund.
【學位授予單位】:中國地質(zhì)大學(北京)
【學位級別】:碩士
【學位授予年份】:2013
【分類號】:F842.67
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