Study On Comparison And Reformation Of The Endowment Insurance In China

With the society and civilization developing, Endowment problem becomes a focused problem in our social life. As a common system of social security about endowment problem, Endowment Insurance has been set store by many countries since it was founded. We can say that it is an assurance of developing stably to establish an Endowment Insurance suited to the actual conditions of itself country. According to the pattern of Endowment Insurance from different country, we can find that each pattern has its particular feature. In our country, the basis Endowment Insurance are been turned over to another pattern. There are also many factors in our country, such as large population, low average GDP, fast populace aging, and so on. So we must found an Endowment Insurance which is suited to our actual conditions.In this article, the author will analyze the Endowment Insurance mode all over the world, fund collection and the successful experience of manage systems, and compare to the problem and feature of Endowment insurance in our country. Then direct our Endowment Insurance innovation and give some effective countermeasures and suggestions.The paper includes 6 parts. The first part is introduction, explains the meanings and the main content about the paper, introduces the brings and development of the endowment insurance system. The second part analyzes the common mode, fund raise mode and the endowment insurance management mode from foreign country, and abstracts some successful experience from it. The third part analyzes the development and actuality about the endowment insurance of our country, and anatomy the main problem about it. The forth part compares the difference about the environment and system, and compares the system, policy and management between China and America. The fifth part use for reference the experience from abroad, gives some advice for ours, and founds the model for raising the standard, advises raising the retire standard. The last part introduces the endowment insurance actuality of Tianjin, sums up the main problem, and brings concrete measure for these problems.