Research Into The Problems Of China's Basic Pension Insurance Fund Balance Of Payment

In recent years, the aging of world population impacts Old-age insurance system Constantly, studying of pension problems is becoming a new hot-point in domestic and foreign academic. Basic old-age insurance is not only the top priority of China's social security system, but also a social problem which people are most concerned about. Now China's pension financing mode is combination of social pooling and individual accounts. This model is an ideal model, because it can overcome the defect of the cashing system can't coping with population aging and the fully funded system without redistribution. However, the practice of China in recent years did not proved the superiority of this system, whatever basic old-age insurance fund currently faces a crisis payment. Therefore, there is great practical significance to make issue of theoretical and empirical analysis. Through the analysis of basic pension insurance fund balance data of recent years, this paper point out that the factors affecting the fund's balance of payments, and put forward measures according to the situation of our country.This article is to analyze cash insolvency of social pension insurance fund in actual operation, which aims to solve the problem of a gap between revenue and expenditure in social pension insurance fund, and to dissect the main influential factor in social pension insurance fund: the source deficiency, salary management irregularity, retirement policy defect, personal accounts"empty account"operation, the high cost of transferring, management lack of scientific, the income of operating pension funds is too low, etc. On this basis, according the actual of pension fund system in our country, offer a series of fundamental methods from system to solve the problem of a gap. It mainly include improving pension coverage, increasing the fund's income, raising the retirement age gradually, reducing fund expenses, accelerating the reform of the wage, ensuring the management of pension funds regular and investment diversification to ensuring the increasing value of pension funds.