Study On Pay Level Of Social Endowment Insurance Of Residents In TianJin City

Social endowment insurance of residents intends to cover all urban and rural residents, implements social pooling and individual accounts, covers rural residents, urban flexible employment and retirement but no old-age insurance in urban, maintains justice starting of social old-age security, achieves old-age security benefits of residents. Residents pension actual pay level whether meets the basic needs of old-age residents, pension actual pay level whether within the moderate range, what are the basic pension actual pay level and individual account actual pay level the actual situation, what is a moderate level of residents pension replacement rate, and we would take what kinds of adjustments for Tianjin pension actual pay level problems…… these questions will be discussed in this paper.Research ideas are: firstly, analyze Tianjin residents pension system overall operation status and pay level, then calculate actual pay level of based pension and individual pension accounts, and carry out the pension overall level moderate test, explore the establishment of the basic pension dynamic adjustment mechanism, improve the pay mechanism of individual accounts and diversified portfolio mechanism of pension fund. Details are as follows:The first chapter, firstly, define the concepts of urban and rural old-age insurance, then summarize important theoretical researches of actual pension pay level.The second chapter, analyze Tianjin residents pension system overall operation status from a practical point: system operational profile, pay personnel structure, as well as the pay status and pay problems, to lay the foundation for the study of the basic pension and individual account actual pay level.The third chapter, analyze actual pension pay level from three aspects, on the one hand, from residents consumer price index, food consumer price index and the per capita GDP growth rate three angles, analyze Tianjin basic pension pay level and moderate test; On the one hand, use individual accounts actuarial model to analyze the actual pay level of individual accounts; on the one hand, analyze the pension overall pay level and pension replacement rate moderate level.The fourth chapter, summarize the results of the actuarial analysis model in third chapter, and put forward policy recommendations for Tianjin pension actual pay level problems.