Contribution Research About Pension Insurance In China

Along with the gradual increase in the elderly population, the elderly dependency ratio gradually increased, and pension security issues become the focus of attention of the whole society. Pension insurance contribution adjustments endowment insurance as an important parameter and profound impact on China's old-age insurance for the future development trends. In the existing social system and the macro-economic situation, rising personal income, corporate profit margins are declining. In this dual reality, how to adjust individual old-age insurance payment rate and the rate of enterprise payment sharing ratio to adapt to the continued development of old-age insurance to individuals and enterprises to improve the welfare of the two sides as the current reform of a pension insurance important and grim task.In this paper, the first part (Introduction and Chapter 1) explain the basic theoretical background and realities. First part of the introduction of the predecessors on the old-age insurance payment rate on the relevant literature review and evaluation, proposed in this paper to solve the problems and research ideas, and that in the course of the study the method used and innovation. Chapter II of China's cities through the old-age insurance payment rate and a historical review of the status, pointing out that the current old-age insurance payment rate of the existing problems.The second part (Chapters II and III) is the core and focus on the impact of pension insurance through the payment of an analysis of the variables to build mathematical models of different groups of people inspected the old-age insurance payment rate of the different interval. In the second chapter, the first use of personal income, expenditure and pension insurance necessities individual contribution, corporate profits and business pay the high degree of relevance, in which data are available on the basis of consumption by function and Cobb-Douglas production function to calculate pension insurance individual contribution limits on the rate of enterprises and limits on the rate of pay, then through the different age and different analysis of the retirement age, calculate the interal of the same period but different retirement age, and the interal of the same retirement age for different age . Chapter III of the focus on old-age insurance payment rate of structural adjustment on private savings, labor supply and demand, economic growth, sustainable development and social harmony in different social impact.Finally, the chapter on the previous basis, given the corresponding conclusions and policy recommendations, pointed out that the reform of the pension insurance system should be voluntary difference between moderate increase individual contribution rate and an appropriate degree of lower corporate rate of pay, and gradually increase the central and local financial support to strengthen the fund's operation and management, and ensure the pension fund of maintaining and increasing the value.In this paper, through the establishment of pension insurance contribution rate mathematical model, select the relevant statistical information and data Yearbook, the use of statistical analysis and econometric analysis, EXCEL and SPSS measurement of the pension insurance companies and individual contribution rate payment of a range of estimates, and on the basis of this study different age and different pay the retirement age of the crowd range of different pay rates, thus further analysis of the economic effect of production and social effects, the final proposal of building a adapt to China's national conditions and effective system of pension insurance policy recommendations.