Research On Old-age Insurance For Urban Workers In Population Aging In Heilongjiang Province

In2000, China entered the aging society.The population aged65or more reach to88.11million,and the proportion of the total population reached6.96%,in the same year,heilongjiang province’s population aging rate reached5.42%.According to the China Statistical Yearbook (2006)’s data,heilongjiang entered the aging of the population in2005,the population that over65years of age accounted for the proportion of the total population was7.6%,to the end of2013increased to8.94%.The background of population aging and the old industrial base in Northeast China in Heilongjiang bring many elderly population base and make social security payment pressure.If the measures to deal with the aging population is not properly,it is easy to cause the pension insurance operations and pension insurance fund payment crisis.Urban workers pension insurance is an important system to protect the old age of enterprise retirees and livelihood of the people.The analysis and research on the problems of urban workers’ pension insurance has great significance.Nowadays,there exists some problems of town worker endowment insurance in heilongjiang,such as pension replacement rate is low, ginseng to pay insurance rate is low,the adjustment mechanism of endowment insurance fund is not perfect, endowment insurance fund is empty account operation, pension insurance fund hedge value-added difficulties.The paper start from the current situation to use literature,experience,qualitative analysis method,and ela-borate the aging of population,pension rate of substitution, ginseng to pay insurance rates,adjustment mechanism of pension fund,individual accounts of pension fund account running empty, pension insurance funds to preserve and increase the value-added of detailed explanation, that solve problem of countermeasures and suggestions. Mainly includes:through strengthening government support, flexible retirement system to improve the pension replacement rate; strengthen the key industries and the object through the inventory, a variety of ways to encourage enterprises to improve the strength of the collection, payment of pension collection mechanism; through the establishment of index adjustment as the foundation, taking into account the pension adjustment mechanism of the mutual aid and welfare to achieve perfect the adjustment mechanism; through the sale or transfer of state-owned assets and personal accounts to expand the sources of funds account funds to make full pension insurance fund personal accounts; to improve the mechanism of pension investment operations through diversification of pension investment subject, enrich the tool of pension fund investment and strengthen government supervision.