The Research On The Financing Patterns Of Endowment Insurance During The Period Of “Demographic Dividend” In Xinjiang

As the demographic transition, China formally entered the aging society in 1999.Now, the demographic dividend of China also got across its most affluent period and gradually disappeared. Unlike the national situation, Xinjiang is in the demographic dividend period and still running high. However, in terms of the financing patterns of endowment insurance, Xinjiang still use the pattern of the combination of overall arrangement and individual account which our country is used to deal with the aging of population in 1990 s. The pattern not only has many problems within its mechanism,but also not conducive to Xinjiang to make maximize use of a positive effect of the demographic dividend, urgently to reform. Therefore, with the help of the western“demographic dividend” theory, combining with the current situation that Xinjiang is in the demographic dividend period, this paper put forward that Xinjiang should establish the financing patterns of endowment insurance of five pillars of the transformation of the nominal account system, in order to create a good system environment and promote stable and rapid economic growth and harmonious and stable social development in Xinjiang.In this paper, the main research ideas and content are divided into the following six parts:The first part is an introduction, discussing the background and significance of this paper, the relevant domestic and foreign research review and the research methods and ideas. The second part of this paper covers the “demographic dividend”theory and the financing patterns of endowment insurance and related definition, to provide theoretical foundation for the later section. The third part is thinking about the“demographic dividend” theory, analyzing empirically and judging the current situation of population structure of Xinjiang, drawing that Xinjiang is in the“demographic dividend” or even “demographic high-yield” period which will continue until 2047, and finally discussing the significance of reform of demographicdividend in Xinjiang to the financing patterns of endowment insurance. The fourth part is thinking about the financing patterns of endowment insurance theory,empirically analyzing the current situation and problems of the financing patterns of endowment insurance of Xinjiang, combining with the international financing pattern of endowment insurance reform discussion and giving its enlightenment to Xinjiang.In the fifth part, the author put forward a financing patterns of endowment insurance:five pillars of the transformation of the nominal account system, which is fitting to Xinjiang during the period of demographic dividend. The sixth part gives a overall summery of this thesis.