System Difficult And Surmounting Of Finance Pattern Of China's Old-age Insurance

China's transition from a planned economy to the market economy system transformation in the process of building a social security system reform of the whole social system of internal demand, but also ensure social harmony, and the inevitable demand of healthy development. Social Security as a social "shock absorbers", "safety net" for the adjustment of the economic structure, social stability and the security of life of all citizens have an important impact. China's economic reform, in-depth development of the critical moment of the establishment of the Chinese characteristics of the social security system in recent years as a breakthrough in the difficult task to be, the CPC Central Committee and the State Council a major decision. Endowment insurance as the core of the social security system, China is to construct a new focus on the social security system. And the pension insurance model to the effective functioning of the financial model depends largely on the choice of the effectiveness and implementation. Since the 1980s, the Western developed countries, including China, as well as the majority of developing countries are facing the crisis of the pension system are in fact the financial mechanism on the crisis. As a result, reform of the endowment insurance system one of the core elements, that is, re-evaluation, comparison and choice of effective financial model. Part of the accumulated production for a better financial model, are being increasingly widespread concern, has gradually become a national old-age insurance system reform in the financial model of first choice. The pension insurance financial model analysis and discussion in the international community, many experts and scholars have expressed their views. Domestic and foreign scholars on old-age insurance financial modeling studies,has reached a theoretical level, and have their own views and propositions. Most scholars believe that part of the accumulated system to a certain extent, it is an ideal financial mechanism. In this view, China's existing EC financial accounts of pension insurance model is prevailing in the analysis of the three international financial model (now is to pay pull accumulation, part of the accumulated), learn from foreign experience, and in light of China's economic reforms, consider political, social factors such as the impact of the establishment and development together. Its implementation is the realistic choice is the world's unique mode of the system, essential and advantages. In this paper is based on the accounts of EC affirmed the merits and feasibility, of the process of system operation and the risks facing difficulties with the relevant institutional environment reveals the existence of disharmony started on the article and discussion.On the current situation,social pooling and individual accounts combination of old-age insurance financial model may be a more realistic option, will help to lighten the burden on enterprises and the state, and expand the coverage of social insurance, and the ageing of the population appropriate to reduce the pressure. However, the implementation of this model, we are facing some problems and constraints: If the increasingly serious problem of the ageing of the population, the pressure to pay pensions, and pension insurance funds, such as huge gaps related to the reproductive system of the population, the retirement system, fund management to the pension system insurance financial model has put pressure on the operation. This is from this perspective for the study of China's old-age insurance model in the operation of the financial system and beyond plight, analyzed and discussed, and to make appropriate recommendations and responses: such as the establishment of suitable population fertility policy, the implementation of flexible retirement extend the retirement system, better pension insurance fund management system, with a view to emerging from pension insurance model in the operation of financial difficulties, and seek a breakthrough beyond the system.The author believes that the past on the old-age insurance system of financial research, mostly on the financial modalities of the study itself. In this paper, the innovation lies in the core of innovation perspective, that is, in the financial model of pension insurance at the same time the advantages and disadvantages of their own, with the related systems environment (population reproductive system, the retirement system, fund management system) exposition. Aimed at analysing the financial system and other related systems of internal relations, they proposed the establishment and improvement of the request that the plight of the system to escape to a harmonious unity. The methodology adopted for the diversification of the integrated use of the literature, case analysis, the study of history and analysis of comparative law, and other research methods, expounded on the issue. That the article was reasonable, further enriched, and a more convincing.Text of four major components, the first part of the financial model for the old-age insurance system, the introduction of internationally accepted the three pension insurance financial model, and specific analysis of a typical foreign countries such as Chile, the United States and Sweden's pension insurance Finance model is designed to China's old-age insurance financial model selection and implementation of the Experience. The second part of China's old-age insurance on the historical development of the financial model to explore the different in our country, the feasibility of the financial model or analysis, the final point raised in this paper: EC accounts with a model is a realistic option, and its brief specific content. Focus of this paper is divided into Part III studied pension insurance model in the operation of the financial system plight of the environment, clarify the reproductive system, the retirement system and fund management system on the mode of operation of the pressure, were to be addressed, and clearly defined the core of this point system difficulties lie. The last part, on the basis of the above information, from the perspective of three proposed measures and recommendations aimed at improving the pension insurance system and create a system suitable for the development of relevant environmental and seek breakthroughs in the system and beyond.China's real political, economic and social condition of the current social pooling and individual accounts with pension insurance financial model has its advantages and the need for the existence, and in the mode of operation of the system in the course of difficulties and constraints are also significantly easily see. The author believes that to sound old-age insurance system, deficiencies and shortcomings, and standardize and improve the environment related to the external system indispensable. This requires a good system, and improving the social security system is the people's livelihood, to the benefit of hundreds of millions of people event.