Chinese Basic Old-Age Pension Insurance For Urban Employees Of The Research

China became an aging society in the late 20th century, the basic pension payment will be faced with pressure with the rapid development of social economy, and there were great changes in the part of the accumulation of system from the beginning, which is difficult to achieve the goal of short-term replacement rates planned in the beginning. For pension replacement rates, domestic scholars have different views, some scholars think that the present pension replacement rate should be reduced under the foreign comparative analysis of pension replacement rate; some scholars think that only 60% of the replacement rate could ensure livelihood of retired personnel in the approach of urban workers'actual consumption level. This thesis began to analysis the factors influenced the basic pension replacement rate, with actuarial science and consumer life cycle theory, make the calculation and analysis of the factors which achieve the goals of replacement rate under the current policy, and get the way to achieve the replacement rate.This thesis consists of five chapters:The first chapter is introduction. This chapter explains the research background and significance of the article, literature review, basic concepts and theories and research methods etc.Chapter II is the overview of the related the theory of pension replacement rate. This chapter briefly describes the related concepts of the pension replacement rate, reviews the history of China's pension system reform and the different replacement rate change stages. The third chapter is China's current pension replacement rate analysis. This chapter briefly introduced and reviewed some of the views of domestic scholars on the current the replacement rate. And the replacement rate calculation is derived and the rationality the system of objective replacement rate at the beginning of is demonstrated.Chapter IV is analysis of the impact factors of pension replacement rate. This chapter describes the factors effected the basic pension replacement rate, and specific measurement and analysis were made using the related models.ChapterⅤis the way to achieve the goal of basic pension system replacement rate and what should pay attention to. According to the analysis of ChapterⅣ, the means to achieve the objectives of replacement rate and implementation that should pay attention to specially.