养老保险收支的预测和分析——以湖北省城镇职工为例

Forecast and Analysis of Income and Expenditure of Endowment Insurance: A Case Study of Urban Workers in Hubei Province

中国面临着日益严峻的人口老龄化问题,如何建立健全的社会养老保障制度已成为当前刻不容缓的问题。本文以湖北省城镇职工的年平均工资为例,结合,建立工资增长模型,然后对养老保险金的分年龄段缴费情况进行了分析,并基于我国现有的养老保险收入和支出的数学模型,而对养老保险资金缺口产生的原因进行了分析,并且提出了一些改善建议,例如增加缴费年限,增加缴存比例或者延迟退休年限。

China is facing an increasingly serious problem of aging population. How to establish a sound social security system for the aged has become a pressing problem. This paper takes the average annual wages of urban workers in Hubei Province as an example. Based on the existing mathematical model of income and expenditure of pension insurance in China, this paper analyzes the causes of the gap in endowment insurance fund. Some suggestions for improvement are suggested, such as increasing contributory age, increasing deposit ratio or delaying retirement.