Study Of Strategies To Curb Speculative Activities On China's Pension Insurance

Pension insurance is the most important social security system in China, the central part to establish a sound and complete social security system. Since our current pension insurance system is not yet completed, various forms of speculative activities exist in the field of pension insurance, undermining the pension insurance system, eroding the pension insurance fund safety. Speculative activities are too important to be overlooked in the field of pension insurance. Therefore, it is of practical significance to theoretically and empirically analyze this issue. This titled paper is to analyze speculative activities in this field to check out the key influencing factors. It point out that to make breakthrough in curb speculation in the field of pension insurance, scientific, effective and binding pension insurance system should be designed. Study is made in light of China's actual situation.First, performances and causes analysis of China's pension insurance speculationActual speculative activities in the field of pension insurance are as follows: 1, a large number of units (enterprises) don't make the pension insurance registration according to regulations, all-member or part-of-member are out of registration, maliciously evade insurance. 2, some units conceal the facts about their pension premium payment base, fabricate the certificates, death toll base, maliciously evade payment. 3, part of the registers don't meet the retirement requirements, retire earlier through speculative activities. 4, relatives of some passed-away retirees claim pensions falsely in the name of registers, causing the loss of pension insurance fund, increasing gap in pension insurance fund. 5, repeatedly open pension insurance accounts, claim double pension when reaching mandatory retirement age, cheat for one more pension insurance. 6, some units change enterprise's ownership from state-owned enterprises to private enterprises to lower the proportion need to be paid, contribute to the loss of the pension insurance fund.