Research Done Personal Accounts For Basic Old-age Insurance

In recent years， with the development of population aging， the payment of basicpension insurance system pressure is increasingly heavy， A disordered managementcaused by the "empty account" the scale is also growing. According to the ChineseAcademy of Social Sciences Research Center of the World Social Security released the"China Pension Development Report" shows that in2012China has19provinces，urban workers， the basic pension insurance fund current "income over expenditure."Urban basic old-age insurance personal accounts amounted to2.9543trillion Yuanaccumulated billing， gap of about24billion. Therefore， under the personal accountyields keep up with the realities of wage growth， personal accounts are actuallyineffective， the only possible way is to make it effective personal accounts， which dopersonal accounts for basic old-age insurance， it is very necessary.Personal accounts for work is a decision of the community are highly valued.2001State Department has launched a pilot personal accounts in13provinces and cities，and accumulated a lot of experience， there are also many problems. Based on thepersonal accounts of Shanxi situation， analyze the problems and the reasons， the useof a comparative approach， fully draw on the successful experience of foreignpersonal accounts and personal accounts proposed countermeasures. Fundamentally，multi-channel financing is a key difficulty with digestion implicit debt and managedseparately pooling accounts and personal accounts is a prerequisite， and supervisionof increasing the value of the fund is an important safeguard， local governmentscontinue to strengthen the sense of responsibility is the basis of laws and regulationsimprovement and construction are doing real strong support. They have theoretical andpractical value for the Improvement of the pension system.Personal accounts do not require us to continue to explore pilot lessons， dependingon the circumstances and asked us around step by step. We are currently the mostcritical is full speed to do the real work and promote a fundamental change in thesystem， and promote the sustainable development of the system and society.