Pension Personal Account Management Discussed

Currently , Chinese endowment insurance system is parts of accumulate systems which is combined by society orchestration and personal account. The society orchestration adopts out-of-pocket method, and the personal account takes fund ways. Its intention is keeping reallocate function of out-of-pocket, conquering weak point of out-of-pocket method can't deal with aged, as well as bring personal account into play irritative function for efficiency and forester for personal sense of responsibility. But government always takes dark attitude for cost of social indemnificatory system turn a track, the orchestration fund and personal account fund mix an account book usage, it is made personal account fund peculated by the government, it is paid for pension, it is badly imperiled basic running of social indemnificatory system, breaching first intention of establishing personal account. Therefore, it is needed change the empty account to full, charring on account management divided , it create conditions for protect a value to increase in value. So, it has practical meaning that carrying on discussing for Chinese endowment personal account management.The paper is divided to three chapters. It introduces the current conditions and problems of Chinese personal account management. It has the necessary of establishing personal account. There are some suggestions for perfect Chinese personal account management. They are: Do actually personal account; Look after both sides the investment policy of social economic target; The market turns the operation and government to take charge of to combine together and etc.There are creations in advancing directive thinking for the management of Chinese personal account that is basic of analysis the necessary of establishing Chinese personal account. It sets out from Chinese conditions and draw lessons from foreign to perfect Chinese personal account management.