实施企业补充养老保险和职工储蓄性养老保险的做法

我厂制订的《职工个人自愿储蓄性养老保险金和补充养老保险金征集管理试行办法》,已经有色总公司劳动保险局同意,从1994年7月1日起实施,现就我们的一些认识和做法介绍给大家,供参考。

Building Long-Term Care Insurance System in China

The objective is to explore the foundation of the elderly long-term care insurance system in China, which is to face the problem resulted from aging of the population. Adopting the contrastive analysis to introduce briefly the long-term care insurance system in German, Japan and America for our learning. Therefore, China＇s long-term care insurance system could not totally indiscriminately imitate the mandatory long-term care insurance system in German and Japan, it also could not copy the business model of nursing insurance system in America. The conclusion is that long-term care insurance system in China should use the experience of developed countries based on the basic national conditions, doing some relative works, such as establishing policies and regulations, strengthening personnel training, and improving the market specification.

Improving the Equity and Sustainability of the Social Protection System

The segmentation of the social protection system in China renders the system not only inequitable but inefficient.Those employed in the public sector,particularly civil servants,are＂overprotected＂,while workers in the non-public sector,especially farmers and rural migrant workers,are＂under-protected＂.The segmented pension system impedes labor mobility while increasing administrative costs.Policies aimed at developing the new rural cooperative medical system and new rural old-age insurance scheme,as well as policies aimed at encouraging migrant workers to participate in urban social insurance programs,help improve the equity of social protection.Howere,competition between different local governments to win the ＂welfae crown＂ and the heavy brden placed on local finance caused by welface overspending has been hurting the sustainability of social protection programs.The following measures are suggested to address these problems;First,cease using social insurance coverage as an indicator of work performance for government officials;second,enhance the responsibility of the central government in social expenditure while increasing public transfers to less-developed regions in order to improve social assistance and merit goods provision;third,integrate or reorganized various sgements into one entity under each insurance program,with the purpose of eventually eliminating the segmentation problem in China＇s social protection system.

The Pay-as-You-Go System of Pension Insurance

The most recent trends in population dynamics have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The pay-as-you-go system is dominated by the state that guarantees its stability. Private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address this issue, this paper makes both an assessment and analysis of the arguments put forward in favor of the preservation of the pay-as-you-go system and a comparison of this system with some of the main characteristics of the private accounts system. This is the basis for seeking the objectively defined role of the pay-as-you-go system in the conditions of the market economy. A couple of conclusions that have been formulated might be of interest for the future improvement of the organization and management of pension insurance.

The bottlenecks analysis of basic endowment insurance system plan as a whole

The process of endowment insurance system plan as a whole is an important step of old-age insurance system reform in our country. At present, the process of endowment insurance system plan as a whole＇s process etxcountered bottlenecks. Come to the conclusion after analysis, the basic old-age insurance system across the country plan as a whole facing same questions, such as the regional income is different, the regional replacement rate of endowment insurance system is different, the ＂fragmentation＂ phenomenon of regional endowment insurance system, impact both fairness and efficiency of the basic endowment insurance system.

Based on the ＂time bank＂ community service studies

With the aging problem increasing seriously, how to make older people live with dignity is no longer a personal problem, a family problem, but gradually becomes a hot topic of the society. When institutional care is difficult to meet the pension needs, home care and community care are becoming the choices of the elderly. Based on the way of mutual aid pension, eonarnunity members began to enter our lives. With the ＂time bank＂ setting up and the development in China, China＇s pension system has been further improved. In the late 1990s, some cities in China began to try the pension community service pilot which was a supportive, low cost, high efficiency ＂time bank＂ aged This paper will present the development, the necessity and feasibility of ＂time bank＂, and analyze the problems and find strategies to solve the problems, so as to maintain the sustainable development of＂time bank＂ in our country.

Financial Feasibility Study of NDC Scheme Based on Comparison of Financial Costs between NDC and FDC Schemes

The establishment of individual accounts is the landmark events for China officially shift from pay-as-you-go pension system to partly funded system. But the process of running personal accounts at the same time also exposed various drawbacks. On the macro level, there is a growing gap between the nominal amount of personal account and the actual accumulated amount, which means the personal account is empty, the personal accounts are being questioned, and the scholars began to seek other solutions. NDC scheme came into being. specific empirical work has been done by using the actuarial model of pension income and expenditure to predict whether NDC is superior to FDC in financial cost by comparing the institutional cost of FDC and NDC from 2015 to 2050. Finally, this paper draws a conclusion that the nominal account system can be used as a choice route for the basic pension system for urban workers in the next 30 years with the assist of relevant supporting measures.

Difficulties and Restricting Factors of the Current Wisdom Pension Operation in China

At present, China＇s basic old-age insurance system has been established and develop gradually. To learn advanced endowment service concept and method, meet the demand of higher level of pension services has become the new target and task of the urban pension service system development. The appearance of Wisdom endowment concept is to resolve the diverse endowment risk of the elderly, and meet a higher level elderly pension service demand. However, wisdom pension in our country is still in its infancy, its further development is facing many difficulties. As to these difficulties, the author of this paper will analyze from four aspects, the system, the object, technology, talent, and put forward some suggestions for promoting the development of the wisdom of endowment respectively, and make wise pension industry in China can better meet the diverse needs of the elderly for pension, and construct a harmonious society of＂sense of security＂.

The Analysis of＂House-for-Pension＂ in China

As China has entered the aging society, the social and family are facing an increasing pressure in pension system. To explore diversified pension model for China has become the key to solve this problem. In 2013 the state council issued an document named Opinions to Speed Up the Derelopment of Pension Services, which clearly put forward that the government should promote the elderly housing reverse mortgage endowment insurance pilot ＂. ＂To implement housing endowment＂, practiced successfully in European and American countries, has proved a good way to solve the problem of lack of pension. This paper makes a analysis of the model, including the necessity,some practice and restricting factors promoting in our country, so as to explore countermeasures and Suggestions of the feasibility.

Research on the impact of pension income and expenditure patterns on the pension replacement rate of public institutions

Currently in China, to study the replacement rate of pension reform in public institutions and to find out the key problems, which is of practical significance for the reform of the pension insurance system. In this paper, the impact of pension income and expenditure patterns on the substitution rate is analyzed, and the factors that affect the level of substitution rate are analyzed, and the corresponding policy recommendations are put forward.

Research on the problem of delaying retiring age in China

In recent years, China＇s aging population continues to accelerate the process, so that our aging population and the pension system is generated between the sustainable development of the serious contradictions, resulting in a waste of human resources, increasing the operating pressure pensions, working hours inequity the negative impact on the existing retirement system challenges. Recently, the delay of the retirement age controversy sparked widespread concern in the community, the paper is as a starting point, a comprehensive analysis of the social contradictions of the current status of China＇s current retirement system, drawing on the successful adjustment of retirement abroad experience from multiple perspectives demonstrates the urgency of delayed retirement age and feasibility. This paper is divided into four chapters. The first chapter proposes the research background and significance of the age of retirement, as well as domestic and foreign scholars on the issue of research in the retirement age. The second chapter describes the status of China＇s retirement system, the contradiction between the implementation of the background, family problems and the current retirement age and the aging population about three aspects. The third chapter analyzes the feasibility to extend the retirement age. Chapter IV presents a delayed retirement policies and recommendations, with emphasis on ＂flexible retirement system.＂

Social Equity： View from Pension System Unification

With the aging process, people been looked after properly in the old age has already become an important index to the national happiness index. Nowadays, government has a increasingly clear roadmap in promoting the development of pension system. Pension system unification refers to the same pension system for workers in public institutions and enterprises. It is a relative concept to the dual pension system. It has positive effect on social equity. But it also has many problems. In this article, author explained the relation between pension system unification and social equity on the basic of analyzing viewpoints of several scholars. And make comments by extending it and analyzing it.

The reproducible analysis of Sweden＇ s ＂nominal account number system＂ in China

In view of the fact that has been troubling the empty individual account problem, many scholars advocate the endowment insurance system in China without the need for individual accounts, the Swedish name of account model. Sweden＇s successful experience proved the superiority of this model： help to ease transition cost pressure, is conducive to the strengthening of labor participation motivation and inhibition of early retirement behavior, suitable for the current situation of the capital market, but the mountain in Sweden＇s unique system established background with China, coupled with the nominal account model, with its own defects and makes the model does not allow China to fully replicated.

Pension replacement rate related to the scope and specific estimates

Pension replacement rate in respect of almost everyone＇s retirement, about the sustainability of the whole pension system, stable relations of society as a whole. For the pension replacement rate study, researchers conducted a more in-depth exploration, according to their different research needs to develop a different pension replacement rate concept. Based on previous studies scholars, for the relevant category of pension replacement rate to sort out, and for different categories of calculation method of the sort, in order to provide a reference for further study of the pension replacement rate.

Delay retirement international comparison and reference

Delayed retirement is the current policy trend, but how to reduce the resistance of policy implementation, to ensure the smooth implementation of the policy, the government needs to consider the next issue. A few years or even ten years ago, some western countries are also facing the problem of aging population .In this paper, by referring to the experience of other countries, taking into account the situation of our country, the paper puts forward the following countermeasures and suggestions in the context of progressive retirement policy：. First, strengthen the incentive mechanism, so that workers gradually tend to work for a period of time; two, strengthen the pension insurance to pay more than the incentive oriented, which can delay the retirement pension in the appropriate level to be compensated, the development of the three pillar of the social endowment insurance system; three, standard retirement re employment policy.

Probe into the double track system reform of the old age insurance system

In recent years, with the development of socialist market economy is gradually perfect, the endowment insurance system gradually affects people＇s daily life, the old-age insurance benefits of the ＂dual track＂ operation of the drawbacks caused by more and more people＇s attention, so the old-age insurance system reform, not only is the national endowment for the special requirements of self. It is the realization of China＇s social security reform priority among priorities. Based on the endowment insurance system of endowment insurance system reform, the interpretation of the resistance, found that at present our country how to deal with the problems of merger reform, discuss how to better realize the merger of the pension insurance system.

Study On The Sustainable Development Of The Endowment Insurance Fund In China

The sustainable development of the endowment insurance fund is the most basic fulcrum to the healthy development of the pension insurance system.The sustainable development of Chinese endowment insurance fund, we must adhere to the ＂wide coverage, basic, multi-level, The basic principle of sustainable ＂. In order to achieve the security of endowment insurance fund, sustainable development should be adopted .The countermeasures are： firstly, the implementation of sustainable legal raising mode; secondly, to determine the reasonable payment level, expanding .Large endowment insurance coverage;thirdly, to implement the State Administration by main market managementPrivate management and sustainable.

The Feasibility Analysis of the Housing Endowment——Taking Nanjing as an example

China has entered the aging society, due to the imperfect national endowment insurance system, the traditional pension mode can no longer meet the needs of old people, so that the family pension and social pension are facing tremendous pressure. In this paper, firstly, explaining the concept of the housing endowment, and summarizing the feasibility and necessity of the housing endowment. Then through the investigation and the analysis of SPSS data, with the housing endowment in the United States and Singapore＇ success, summing up what our country should do to make improvements, and then we will induce the current situation and predicament of the housing endowment in Nanjing. Finally, we can put forward relevant countermeasures and suggestions by the feasibility to the reality to Nanjing city in the future.

Research on social endowment insurance of lost-land peasant --A case study of Hefei city in Anhui province

With the accelerating process of urbanization and industrialization, the peasants for loss of land use fights has become a universal social phenomenon, the problem of landless peasants old-age security community has aroused much attention. However, the presence of Hefei landless peasants pension current pension system is not perfect, the shortcomings of the current government policy, peasants lack insurance awareness and so on. This paper argucs that the land should bc constructed by the pension insurance system, improvc the land compensation policy, increase financial input and improve peasants＇ pension fund supervision and management mechanism to ensure the standardization of the system, thereby providing an important guarantee for building a socialist new urbanization.

The Analysis of Chinese Basic Pension Funds into Capital Markets

That is a global issue to preserve and increase the value of pension funds, also has caused widespread concern of the governments around the world. China＇s basic pension funds are also facing the severe problem. In this background, The State Council issued ＂the Measures for the Administration of Investment in Basic Pension Insurance Funds＂, Basic Pension Funds into Capital Markers finally＂ have laws to go by ＂. To explore the basic pension funds into the market has a realistic social significance. Based on the SWOT analysis method, make a detailed analysis of the pension market from four aspects, put forward some views and hope that these opinions can provide reference for the sustainable development of China＇s basic pension fund system.