Study Of China's Basic Social Pension Insurance Management Issues

Prom the development of Chinese population, our countryhas entered the aging society, even it will be deepened, andthe problem of endowment has been the important factors ofaffecting our national economy's sustainable development andsocial stability. China has established aged insurance systemin order to solve the problem of endowment. However, duringthe enforcement of this system, there have been some valuableproblems to be solved urgently, which have positive and deepsignificances for perfecting Chinese aged ensuring system,solving the difficulties in realization and instructing thepractice of aged insuring work.This thesis mainly includes four parts, the establishmentand development of Chinese endowment insurance system, thefundamental endowment insurance management of Chinesesociety, the reasons of its appearing and the solutions andsuggestions to solve it, etc. As to the first one, it containsthe stage of the primary establishment of social fundamentalendowment insurance system, the stage of its establishment andthe stage of perfection. The main problems presented by socialfundamental endowment insurance management are as follows: huge recessive debt, the decreasing of guaranteed price andthe increment benefit, the singular investment channel and theroutine chaotic administration. Among these, what caused thefirst problem is not only the historical factor, but also thereal factor. About the main reason of the second; on the onehand, it is restricted by the current management system; onthe other hand, there hasn't been a suit of satisfactorysystem of endowment insurance management and investmentoperation. The main reasons of routine administration chaosare as follows: local government break the rule of usingpension utilizing their special rights, the pension can't belevied efficiently, the design of levying system hasn't beenperfect and the informization construction falls behind. Tosolve the problem of the recessive debt is to carry out theindividual account, expand the coverage of social basicold-age insurance, extend retirement age, and enhance theoverall level and so on, currently, there are two effectiveapproaches to solve the recessive debt, the first is toappropriate state-owned land and sell the debt to make uphistorical debt, the second is to issue social welfare lotteryproviding for the aged. In order to solve the problem ofdecreasing of guaranteed price and the increment benefit, firstly, we will establish a new system of endowment insurancemanagement and investment operation, and walk a way ofmarketability and commercialization; secondly, we willincrease the investment channels. Regarding routineadministration chaos, what we mainly need do is to better thelevying the social fundamental endowment, enforce thegovernment's custody about social fundamental endowment,reinforce the financial management on pension and strengthenthe establishment of endowment insurance staff.