Research On The Selection Of Raising Funds Model In Chinese Social Endowment Security System

The system of social security is an importance part of modern nation institution. The characteristics of the national social security adopted by the government will take effect in its society politics and the economy directly. In its constitution, old-age security is especially important. With the quick propulsion of the progress of the senile problem and the development of the economy of world, the institutional function in social old-age security also highlights increasingly.As the part of world economic constitute, China is ineluctable to also will face the same even more rigorous challenge. The Chinese economy still is placed in the stage in start and the social old-age security system need to be established more perfectly. In the developed countries, it has been a very serious problem that the trend of the average age of the populations becomes old. In recent years, this problem is also becoming more and more serious in the developing countries, so whether China can deal well with it will relate to a social stability and development directly. The endowment security system circulates healthily must depend on raising abundant funds. So the government should attach importance to select appropriate funds-raise model of endowment security.About this problem, the paper aims at discussing Chinese current endowment security funds-raise model. By drawing lessons from successful experience of many other countries' social endowment security reforms and much research of domestic and international scholar, the text make the some very small study for the problem "the right selection of Chinese current endowment security funds-raise model under realistic state of the nation".This paper consists of five parts, including preface and text. Its basic construction is as follows:The first part is preface, which introduces not only the textual research backgrounds study purpose, research method but also foreign and local scholarship with brief words.The second pan analyses social endowment security system and theoretical development process; Inquiries into the government to confirm its perfect role in establishing and consummating the social endowment security:(l) make up the blemish of income allotment.(2) embody paternalism (3) avoid "adverse selection" in the security market.(4) lower the bargain expenses and save to the decision-making cost.(5) strengthen the ability of the dispersion risk. Then from two aspects, the economic effectiveness and social effectiveness, the author analyses the influences on many factor such as labor force, consumption, save, investment and society fair and efficiency. Hence it is emphasize that the choice of the funds-raise model is a center of social endowment security system reform.The third part introduces the basic connotation of old age security, three styles of collecting funds, which include present income and payment model, absolute accumulation model and partly accumulation model. And then the writer draw a conclusion that any single style system can't guarantee the economic to develop healthily and steadily. Which model to choose is decided by the actually economic circumstance.The fourth part looks back the three stages in Chinese social endowment security system developments. On the basis of analyzing a flood of data and the current situation of old age security, the author points out that there exist the following problems in current old age security, that is: endowment security overlays is narrow: The endowment security expenses depend on nation and enterprise excessively and the burden increase step by step; workers burden lightly and the risk consciousness is weak; The rate of repayment is higher; The level of government plans in endowment security is low; the function of assignment weaken; The current endowment security funds-raise model can't cause the personal account to accumulate, the phenomenon, "empty debt" ,is increasing rigorously. Reform with the social endowment security is urgent.The fifth is not only a textual center but also a textual conclusion. Followin...