Empirical Study Of The Endowment Insurance System Of The Redistribution Of Income Effect Of The Insured Persons With Different Social Insurance Base

This essay attempts to use the internal rate of return to make empirical study on the income effect redistribution of insured persons with different Social insurance Base of the endowment insurance system in our country. The present method of calculation and payment of the basic endowment insurance system regulates that the monthly standard of fundamental pension is on the basis of the mean value of monthly average salary of on-post staff and personal indexation monthly average payment salary. Distribute 1% when the payment time reaches one full year. It attempts to redistribute the endowment insurance income of insured persons with different Social insurance Base. But the actual redistributional effect of endowment insurance income not only depends on the methods of calculation and payment, but also depends on the time that the insured persons with different Social insurance Base enjoy treatment.This essay makes estimations on the lives of insured persons of different Social insurance Base by various data and methods. Then according to the estimation results, make empirical study on the redistribution effect of the actual income of insured persons with different Social insurance Base, in endowment insurance system by internal rate of return method. The study finds that the internal rate of return of the workers with low premium-paid base is higher than others, therefore the endowment insurance system for employees of income has a positive regulatory role but the redistribution effect of the actual income of the insured persons with different Social insurance Base of the endowment insurance system in our country is weak, for the lives of the insured persons with different Social insurance Base are relatively different.