A Study On Risk Avoidance Of Pension Insurance Relationship In China

China’s basic old-age insurance system in the beginning because of historical factor and the system itself is not perfect, produced a series of risk in the promotion and operation of the new system. According to the causes of risk, it can be divided into endogenous risk and exogenous risk, derivatives risk. Endogenous risk include: endowment insurance relation inequalities caused social unrest risk, pension insurance relationship between inequality and unrest risk, pension insurance relationship continues sustained management main fragmentation risk, pension insurance relationship both psychological risk. Exogenous risk include:risk of uncertainty parallel risk, high unemployment risk, natural disasters caused by the aging of the population and rapid urbanization. Derived risk include:risk in financial markets, triggering the pension fund operation and management of the endowment insurance relation unilateral non rational flow leads to increased difficulty in social governance, endowment insurance relation non benign continues to result in savings and consumption unbalance risk, pension insurance relations of non-public flat guide to avoid the risk caused by social isolation and social indifference, endowment insurance relation of intergenerational equity trigger.In the pension insurance relationship of risk aversion on the issue, some international and foreign practices can work together to learn Therefore, the article introduces foreign pension system in the pension insurance relationship risk aversion successful experiences and practices, based on the combination of the second chapter of risk classification, proposed a targeted risk-averse strategy. Endogenous risk aversion from the establishment of fair and equal basic pension insurance relationship, establish and improve the incentive and restraint mechanisms interests, establish and improve information management and disclosure system,"leave country but do not leave home" style pension is calculated cumulatively method impersonator of the pension regulation and other aspects in detail to avoid the circumvention. Exogenous risk and risk aversion derived from conditional on the implementation of the steps liberal population policy, the implementation of the Fund’s investment managers rent regulation, active employment policies to attract and support the pension system fit, reducing pension and medical and unemployment the degree of association with other types of insurance joint degree, the establishment of environmental integrity and civilized society has done a detailed explanation.