The Research Of China’s Urban Pension Insurance

Whether it is our social security system or foreign countries, the social securitypension system is one of the important components. As the field of pension insurancecovered a wide, while covering many aspects, combined with the number of the scopeof its influence is also very widespread in the world are subject to a high degree ofattention. In our country the positive development of the socialist market economicsystem today, and constantly improve and perfect the pension system, to play asignificant role has become a priority in economic construction and socialdevelopment process. The establishment and development of the situation from theperspective of urban pension insurance system, the early1950s to establish a PAYGfinancing mode of production as the main social pension system, although it plannedeconomy in our country has played an important role under special circumstancesprevailing social security system reflects the public ownership of mutual benefit in thebasic functions and features, and its operating mode and effects are very simple andfeasible. In our country into the socialist market economic system today, economicand social development to the existing pension system has had an impact, the originalurban pension insurance has been difficult to meet the needs of economic and socialdevelopment. In order to make the city pension system continues to play its role in theera of huge aging population and the conditions of market economy, it must beimproved through the establishment of a multi-level old-age insurance system toachieve the sustainable development of the pension system, the focus lies want theoriginal PAYG system gradually accumulate to some system changes.This paper is divided into five parts:The first part, the theory of urban pension insurance, pension insurance from thecontent on the meaning of the composition of the classification, the basic systemmodel three angles brief introduction, the theoretical basis for the pension overview.The second part, the status quo of China’s urban pension insurance developmentof the planned economy, urban market economy in each period introduced pensionhistory, on the basis of analysis of problems of urban pension insurance, and thus explore the cause of these problems arise The reason.The third part, foreign pension Experience, the first of four more successfulinternationally pension species are introduced and analyzed, and then to the UnitedStates, Sweden and endowment insurance model, for example, to discuss their model,the status quo, and a summary of our significance urban pension insurancedevelopment.The fourth part, deepen the reform of China’s countermeasures city pensionsystem, based on the analysis above, from system construction, financial management,administration, corporate four angles of urban pension insurance proposedimprovement measures.The fifth part, the conclusion.