The Business Enterprise Officers And Workers' Old Age Pension Accounts Hair System Research

The our country old age pension accounted the hair system establishment, reform and development to experience arduous process and obtained of huge progress and development. Our country the current endowment insurance account a hair way, namely country hair[2005] No.38 text bottom hair after, big parts of cities in the whole country all marked according to requesting to account a hair way to carry on reform to the town officers and workers basic old age pension of the region our country already establishment have a set of more perfect, reasonable of the basic old age pension account a hair way. For all that, the old age pension of our country accounts a hair way to still need to continue to reform, especially along with in advance account a hair way to practice after 4 years, at following few aspectses also presented some stay in a perfect place. On being the officers and workers' fixed work age to still keep being decided by to build up paying of personal account empress fee level, the calculation of fixed work age has already lost equity;Two is according to the current system, more and hereafter retiring an officers and workers the wages treatment is more low, but when completely from pay the officers and workers whom the fee part constitutes a work age, the treatment level acts for an away below our country target to lead 60%; Three is an incumbency the officers and workers bear the old age pension pressure of retiree to lead greatly, the burden is over-weight; Four is the problem that the existence retires to enjoy life a guarantee species, outlet one. This text passes the present condition and ratio analysis to account the hair system to foreign business enterprise officers and workers'old age pension and investigate worth our country draw lessons from of the old age pension account hair mode, and account to deliver system implementation to the current old age pension of premise and theories foundation the basic contents and influence old age pension accounts hair system of the factor carry on a research, with the endowment insurance imposition of Qingdao City and issue a circumstance for solid example, put forward our country the business enterprise officers and workers'old age pension account hair system to still need perfect concrete path, namely how raise an endowment insurance fund pay ability, further raise a fund to protect a value to increase in value ability, how establish reasonable of act for rate, the realization gives attention to both equity and efficiency of wages income is two allotments, how provide more endowment insurance outlets for officers and workers. This text passes analysis research with draw a conclusion:One is the way that the current old age pension accounts a hair way to convert old age pension in the fixed work age have already lost equity, should pass to the on the average estimating of the fixed work age, the old age pension of certain fixed work age folds to calculate a rate and deals fairly with the fixed work age before building up personal account;Two is confirm to the actual replacement rate of incumbency officers and workers'pension, although total act for rate level of Gao, incumbency officers and workers physically act for lead low;Three is pass moderation raise female officers and workers'retirement age, postpone female officers and workers' retirement age to 55 years old, be advantageous to an endowment insurance fund to raise, raise all incumbency officers and workers the endowment insurance light hair turn on water even, four is build up citizen's endowment insurance to save a fund and form diversified endowment insurance fund guarantee mode. The above research accounts hair system to the perfect current old age pension in the domestic research concerning current old age pension system, sound accounts hair system and strengthen a fund to advertise for to pay strength and ensure that the endowment insurance fund pays level with perfect endowment insurance, establishment diversification, multilayers of the old age pension guarantee system has construction meaning.