| In recent years,the domestic population structure aging population level continued to increase and continuous increases of basic retirement insurance payment standards,capital expenditure needs straight domestic pension insurance system for old-age security system increased,the capital expenditures of the enormous pressure.However,affected by many factors,the domestic pension system fund raising ability can not meet the current domestic pension system continued rapid growth in demand for funds,and pension system to raise funds in the development of existing problems and deficiencies,further aggravated the contradiction between pension fund raising and capital expenditure.According to the analysis of domestic funds raise old-age security system development,after a tortuous development early,since 1991 the implementation of domestic pension system financing system reform,domestic pension system funding capacity has been significantly improved in many aspects.Pension system funding structure gradually developed by basic endowment insurance,enterprise annuity and personal savings pension insurance and the national social security fund is composed of "3+1" structure,has both the preliminary market investment mechanism and personal incentive mechanism.Moreover,in the process of raising the scope of the national endowment insurance system,it can reach the basic coverage of the whole country,and the scale of the fund-raising income and the accumulated fund of the old-age security system has been significantly improved.However,in the domestic pension system to raise funds in the process of development,part of the system design defects and some long-term unsolved historical problems have gradually formed a huge drag on the pension system funding level,to further improve the old-age security system not only suppresses the fund-raising ability,continue to damage the old-age security the system of raising funds on the basis of scale growth,making the overall domestic pension system showing a fund raising ability of weak growth,unable to cope with the rapid growth of the old-age security system of financial support.Therefore,the problems of the study of domestic pension system funding process and shortcomings,according to the actual situation of the current domestic economic and social development,the guiding principle to develop the old-age security system to raise funds for development,the formation of policy suggestion and Reform Party of the case,one can expand the domestic pension system funding scale.To meet the current old-age security system of capital expenditure needs,improve the old-age security system funds shortage situation.On the other hand can improve the old-age security system of financing efficiency,adjust the oldage security system of financing structure,the old-age security system of fund raising has been positive development,better for domestic economic development and social reform to provide strong support.In order to achieve the goal of this study,this paper starts with the domestic old-age security system funding system,combing the development of the domestic pension system funding system policy.Secondly,through the analysis of the development of the domestic endowment insurance system,the paper discusses the main problems existing in the development of the old-age security system.Third,through the establishment of the model of the fund-raising ability of the domestic old-age security system,this paper analyzes the mechanism of the fund raising structure and the main influencing factors to improve the fund raising ability of the old age security system.Finally,the actual situation of domestic economic growth and fiscal revenue and expenditure and other aspects of the five principles for the development of improving the old-age security system to guide the domestic capital raising ability is put forward,and make policy recommendations and specific reform program.The research conclusions,innovations and shortcomings of this paper are as follows:In the fourth chapter of the domestic pension system funding system analysis,the process of policy change research found that in the steady development of the early domestic pension system by political turmoil after the destruction,by introducing market mechanism and personal investment incentive mechanism,domestic pension system re established the vertical integration of financing structure,and by the insured gradually plays a more and more important responsibility to raise funds,development of pension system funding system tends to be stable gradually.Analysis of the situation of domestic development,raise funds in the pension system in the fifth chapter,the study found that,at present,in the process of the old-age security system for raising funds,mainly urban basic old-age insurance funds accumulated growth is weak,"urban and rural insurance" personal income growth,lack of payment of basic pension insurance fund balance,the increasingly serious pressure the enterprise annuity development still lags behind the basic endowment insurance and personal savings pension insurance development marginalization.In the sixth chapter of the domestic pension system funding analysis,capacity growth model research found that due to the absence of internal effective linkage mechanism,domestic pension system financing structure is still using the shell type structure of linear additive,compound growth structure instead of raising funds for higher efficiency.At the same time,the cumulative investment rate of funds to improve the pension security system to raise the ability to raise funds has a significant growth effect,and the payment of income is an important basis for raising the ability of the domestic pension security system to raise funds.The innovation of this paper may include:(1)according to the domestic economic and social reform in different periods to the old-age security system financing system reform process,the development from 1951 to 2016 the domestic pension system funding system is divided into four stages,and the development characteristics of different stages were compared and analyzed.(2)using the method of model analysis,this paper discusses the influence of the fund raising structure of domestic pension security system on the development path of fund raising,and the mechanism of the main influencing factors on raising the ability of raising funds.(3)in order to improve the individual's willingness,this article from the establishment of the mechanism,adjustment of financial subsidies to raise the internal linkage mechanism and market structure play the role of investment and other aspects of the five pension system funding development principles,and make policy recommendations and specific reform program.The lack of this paper and the further research:(1)due to the actual situation of all kinds of public information,we could not collect complete data and policy documents,for the data and literature data collection and mining remains to be further.(2)limited to some indicators of the missing data,the mechanism of the model structure and the main variables are analyzed,not to carry out empirical research,not only to the degree of impact on the variables for empirical analysis,the future remains to be further in-depth study.(3)comprehensive reform to establish old-age security system of financing development is a systematic project,the need to co-ordinate arrangements for many aspects,the reform scheme proposed in this paper is simple and basic,to be comprehensive and the stability of the next step to expand the reform program. |
PDF Full Text Request