University Teachers’ Pension System Reform Research

At present, the college teachers’ retirement system still is the product of planned economy, is one of the social security system in our country. Although for a long time to stabilize teacher retirement and the development of colleges and universities. But the market economic development, population ageing, population growth is slowing the emergence of a series of problems, such as teachers’ retirement system in colleges and universities cannot meet the social development, issued by the state council in January 2015 and April the staff old-age insurance system in government institutions reform decision "(hereinafter referred to as the" decision "), the measures for occupational pension agencies and institutions (hereinafter referred to as the "method") marks the long-awaited college teachers’ endowment insurance system started.This study first a review of the pension system, the cause of the insurance system reform failed twice, and the characteristics of this reform are summarized. Combined with wuhan university of textile to the school’s current endowment insurance status quo and the existing problems are analyzed, the "middleman" issues of further research. At the same time, according to the present trend of pension system combined with other organ institution endowment insurance system, the bold prediction may face the empty account operation, occupational pension fund and individual account of the value.Is given to solve the "middleman" not retirement problem, transitional annuities on time with occupational pension plan hair problems, low treatment recommendations; At the same time, in view of the system that may occur after individual account empty account operation problem, puts forward the channels to raise funds, delay retirement age, increasing statutory capture expends fixed number of year, steadily promote pension market solution; In view of the occupational pension block talent flow problems put forward vigorously promote enterprise annuity, opening method of occupational pension in personal accounts pension channel, etc.