Study Of Endowment Insurance In China

After passing through several years improvement, Our country old-age insurance system has established basic framework which comprised of the series account union, the multi-level ensure system basically. The basic old-age insurance system coverage gradually is expanding; more and more people to put on insurance. However, the present old-age insurance system can not meet the market economy development need, simultaneously, the aging intensifies day by day, the empty promise account scale rapid expansion, the old-age insurance fund management chaotic, the revenue and expenditure is not balanced and so on a series of questions appearance, causes originally foundation frail old-age insurance system to face the unprecedented challenge.How profits from the overseas experiences and find a road of the old-age insurance which suit the character of present-day Chinese society condition has become a quite prominent question in our country old-age insurance system reform.This article is from analyzes our country old-age insurance system present situation, to summarizes on the international each kind of old-age insurance pattern superiority characteristic, unifies our country actually to propose some suggestion to supply reference consummate to our the old-age insurance system.The paper divides into five parts. The first is the introductory which expatiate how to select a topic the basis, the research scope and the significance, carry on the concept of "the old-age insurance" which is limits to China, and summarize the article main research content, the research technique, the mentality and the frame, the innovation and insufficient. The second is the China old-age insurance system development, introduces the development history; The third is the China old-age insurance system present situation and the problem analysis, mainly from the China old-age insurance system pattern, the coverage, the fund originates, the management system and aims at the question which in the system exists to carry on the evaluation; The fourth is the overseas old-age insurance system outline, analyzed the overseas old-age insurance system patterns, the fund collection pattern and management characteristic outside, simultaneously, unifies related system domestically, to refine some success experiences; The fifth is consummates the China old-age insurance system, mainly consummates three aspects including the multi-level old-age insurance system, strengthens fund management, strengthens the legislation to construct to propose for solving the question. Through the full display enterprise annuity, individual deposit old-age insurance function, the solution old-age insurance recessive debt question, enhances the retirement age, the realization fund guarantees the value to rise in value, the control fund law system supplies are insufficient the risk, solves the old-age insurance problem fundamentally.