This paper firstly analyzes different payment methods of individual account and the pension replacement rate under the pension payment method.Results show that it will be more scientific and reasonable for the individ...This paper firstly analyzes different payment methods of individual account and the pension replacement rate under the pension payment method.Results show that it will be more scientific and reasonable for the individual account of new rural social pension insurance to adopt the actuarial model of payment according to proportion of income and periodic prestation at variable amount.The Guiding Opinions on New Rural Social Pension Insurance sets forth individual account should be paid at fixed amount,and the insured voluntarily selects payment level as per criteria set by the State.The monthly calculation and distribution amount of pension is the total amount of individual account divided by139.Therefore,it should start from continuation of policies and make adjustment of payment level in accordance with growth of per capita net income of rural residents.When condition permits,it is expected to realize transition to payment as per income proportion and periodic prestation at variable amount.展开更多
Using actuarial techniques, the study estimates the fired gap of pooling account and individual account respectively on on enterprise worker＇ s basic endowment insurance in Hebei province. And based on the estimation...Using actuarial techniques, the study estimates the fired gap of pooling account and individual account respectively on on enterprise worker＇ s basic endowment insurance in Hebei province. And based on the estimation, the study puts forward four policy suggestions： expand the coverage of the pension scheme; revised the number of months oft he annuities; increase the level of interest; improve financial support.展开更多
This paper analyzes and explains the causes of the ＂empty account＂ of our country＇s basic pension personal account based on the specific economic conditions and social backgrounds of each period in China. Explained...This paper analyzes and explains the causes of the ＂empty account＂ of our country＇s basic pension personal account based on the specific economic conditions and social backgrounds of each period in China. Explained that the ＂empty account＂ phenomenon of pension insurance is not universally believed to be caused by ＂high accumulation and low consumption＂economic development policies.The author puts forward two ideas for ＂filling up the air＂ in the individual pension account： 1. Ensure that the basic pension maintains its value.2. Accelerate the construction of individual pension accounts.展开更多
文摘This paper firstly analyzes different payment methods of individual account and the pension replacement rate under the pension payment method.Results show that it will be more scientific and reasonable for the individual account of new rural social pension insurance to adopt the actuarial model of payment according to proportion of income and periodic prestation at variable amount.The Guiding Opinions on New Rural Social Pension Insurance sets forth individual account should be paid at fixed amount,and the insured voluntarily selects payment level as per criteria set by the State.The monthly calculation and distribution amount of pension is the total amount of individual account divided by139.Therefore,it should start from continuation of policies and make adjustment of payment level in accordance with growth of per capita net income of rural residents.When condition permits,it is expected to realize transition to payment as per income proportion and periodic prestation at variable amount.
文摘Using actuarial techniques, the study estimates the fired gap of pooling account and individual account respectively on on enterprise worker＇ s basic endowment insurance in Hebei province. And based on the estimation, the study puts forward four policy suggestions： expand the coverage of the pension scheme; revised the number of months oft he annuities; increase the level of interest; improve financial support.
文摘This paper analyzes and explains the causes of the ＂empty account＂ of our country＇s basic pension personal account based on the specific economic conditions and social backgrounds of each period in China. Explained that the ＂empty account＂ phenomenon of pension insurance is not universally believed to be caused by ＂high accumulation and low consumption＂economic development policies.The author puts forward two ideas for ＂filling up the air＂ in the individual pension account： 1. Ensure that the basic pension maintains its value.2. Accelerate the construction of individual pension accounts.
