Perfecting Provincial Pooling Level, Promoting Nationwide Adjusting

With the rapid development of economy and society, Chinese pension insurance puts up any inadaptability to the epoch and faces any puzzledom and contradiction. So, under the diploid pressure of aging and disbursing annuities, reforming and perfecting pension policies becomes a certain choice to public decision-making department. Be based upon this, the article starts with the angle of pension insurance’s pooling level, combining with the theories and cases, lucubrates the stratagem choice of Chinese national basic pension insurance’s pooling level.Except for the introduction, this article can be divided into three parts. The introduction introduces the cause and background, the theoretical and practical meaning to choose such a topic. Also, it introduces the research methods, innovation and lack, the overview of the program that other scholars have achieved in this field. At last, it gives the article’s viewpoint:Although the pension insurance’s future model will be nationwide pooling, there has no feasible conditions to this system nowadays. We only should choose "perfecting provincial pooling level, promoting nationwide adjusting".The first part is the theoretic and experiential research. Firstly, system theory, Law of Large Numbers, economic man assumption, equality and efficiency show that we must improve pension insurance’s pooling level and optimize system model, but the balancing to profit and duty among the government and department, makes this process encounter any obstacle and difficulty. Secondly, from the history and actuality of Chinese pension insurance’s pooling level, it experienced different phases of nationwide adjusting----enterprise pooling----ounty pooling----provincial pooling, the improvement of pooling level was very slow. Although provincial pooling level has gained any achievement, there has any problem.The second part is home and abroad demonstration research. Firstly, the pension insurance practice in UK, USA and UN show that we must gradually unify the pension insurance system. In this process, central government and local government should have different duty and obligation. The pension insurance practice in UN also show that nowadays we must adopt nationwide adjusting system model to realize the unification of national pension insurance in future. Secondly, the pension insurance’s provincial pooling level in Inner Mongolia Autonomous Regions shows that the balancing to profit and duty among the government and department, the imbalance of economy and society, the pension insurance system’s disfigurement are the main obstacles in improving pooling level. Moreover, the attendees and transactors of pension insurance system also give any negative effect in improving pooling level after the profit consideration.The third part is strategic choice and system design. Firstly, since the foundation of PRC, we mainly depend on the provincial government in actualizing the pension insurance system. Based on the continuity and inertia of policy, it is reasonable of orienting pension insurance as provincial pooling level currently. Furthermore, our administration system, finance system, legislation system all illuminate this stratagem choice is right. Moreover, the means of pension insurance’ transfer and join illuminates that the nationwide pooling is unpractical nowadays, we should choose the nationwide adjusting stratagem.Secondly, in the provincial pooling level, we should take a game of combining "take all into a step" with "step by step" to the six unified standard so as to improving the provincial pooling level’s efficiency. On this basis, the fund management of provincial pooling level must be budget management, the revrnues and expenditures management of fund must be the model of combining "unified revenue and expenditure" with "balance settlement", there should be a combinatorial project to ensure the fund’s value preservation and increment, also, there should be a flexible manner to the remainder fund’s management. In the administration management of pension insurance there should be strict vertical management, internal control management and information management. Lastly, in the nationwide adjusting, we should make clear that the fund source of nationwide adjusting is not the individual account fund but overall social planning fund. In the raise of nationwide adjusting fund, the provinces should turn in different adjusting fund according to the different economic strength and pension insurance guide line. The right to this fund belongs to the central government. In the payment of nationwide adjusting fund, we should confirm material amount according to every province’s pension insurance status and the amount of turning in pension insurance fund. Moreover, we should line out lots of nationwide adjusting fund to substantiate the individual account.