The Old-age Insurance Model On Land Farmers And Its Essence Calculates Analysis

Under the background of the whole world old age,old-age security system has became a important and the urgent question.Our society old-age insurance system is nearly bora with the republic, but because the limits of the current economic condition,the society old-age insurance mainly aims at the cities staff at that time.at present, our cities old-age insurance system has initially established,sofarmer's old-age insurance question has received more and more attention.Looks over the present research situation of our society old-age insurance,majority article analysis primarily by qualitative,neglected the quantitative analysis and calculates research .So at this article. after proposed the land farmer's old-ageinsurance model,we used insurance theory and calculates method to discussed it at the fixed interest rate and immediately the interest .Finally, we proposed datum plan and adjustment plan, and under the expectation that its has the help to the land farmer's old-age insurance.First, our reviewed the development of the old-age society insurance system,summarized the existence question in the existing countryside social security system.and proposed that our country needs to establish a new society old-age insurancesystemto adapt our country concrete national condition ;Second, elaborated the design concept of theof the farmer pensions;Third,I introduced the actuarial theory and life insurance theory. Established calculate model of the farmer old-age insurance. And discussed in the two kind of separate fixed interest rate and in thestochastic interest rate, the model's concrete expression form. Calculates individual account old-age insurance to pay expenses tolead, after and the discussion plants crops the farmer to achieve theretirement age the actual pension substitution rate question;Fourth, refers to the Chinese statistics yearbook the correlationstatistical figure, Makes the separate farming farmer old-age insurance fine to calculatethe model the datum simulation plan and the adjustment plan. makes the sector analysis to the pension individual accountaccumulation value and the pension substitution rate.