Pension Insurance Model With The Model Study

The aging population and endowment insurance system reform caused from this are the issue that can't be avoided in China's economic construction, in the mean time, it's also one of the key issue of China's economic reform. This article try hard to discuss several key problems in this issue through two level of theory in point with positive research so that to offer a new train of thought and method for solving the issue.The research methods of the article focus on theory comparison and actuarial mathematic analysis. There are two new actuarial models according to different application background I have made in the article. The two models can solve the problem of how to recommend a premium in company annuities. The use of actuarial mathematic is one important character of my article.The article also analyzes the structure of our country's old people and predicts the development tend of it in next 50 years. Although the situation is hard but my research outcome shows a relatively better future than other's outcome. And the result can overpass the logic analysis from the actual life, so it must be of better reliability.At the end of the article, some policy suggestions are given based on above analysis.