Research On The Balance Of Payments Problem Urumqi Urban Enterprise Basic Pension Insurance Fund

The problem of aging population is getting more and more attention, and the endowment insurance has become the focus of people’s attention. Because the pension development level of each region is not balanced, the basic old-age insurance fund for urban enterprise workers balance has become complex and difficult to coordinate. In addition, factors of the retirement age, the pension replacement rate, the coverage rate, the collection rate, the fund’s return rate of mutual influence are correlative dependence. It makes the basic old-age insurance for urban enterprise workers fund on the balance of payments problems more difficult. So it becomes the key research and discussion.In this paper, under the background of the aging of the population, describing the characteristics of three modes on the basic old-age insurance system for urban enterprise workers, the mode of financing and raising urban enterprise worker pension payment mode. Reforming the basic endowment insurance fund for urban enterprise workers exploration course and the Urumqi city of current system, I combined with the data and reference to some research results, analyzed on the current situation and urban basic old-age insurance fund payments constitute. After the situation analysis, I compared the level of pension payments between regions. For horizontal comparison between different cities.Mainly about some aspects from population aging, raising the level of surplus capacity, guarantee pension and burden coefficient. Under the situation of system described the current situation in Urumqi and analyzed the main factors, establish the fund balance of payments forecast model and set up the parameters of effecting the endowment insurance fund and support.Forecasting the fund balance of payments on basic pension insurance within 5 years between 2014 to 2018 of the Urumqi urban enterprise workers. According to the forecast results, Urumqi urban enterprise basic pension insurance fund receive and support are increasing year by year with roughly rate. Funded income is greater than expenditure so that it has slight surplus. There is no gap in the next five years. But it does not represent the future there will be no gap, since the peak of population aging has not yet appeared. I summed Urumqi urban enterprise employees’ basic pension insurance fund balance of payments problems. As follows: Security is relatively weak, low retirement age, higher contribution rates and other issues. According Problems, I put forward some measures to improve. Improve the urban basic old-age insurance for enterprise employees overall level and efforts to expand the area of the collection and other measures.