Research On The Financial Model Of Community Pension In China

Population aging is a common problem in the world.Since 1999,China has entered the aging society,the proportion of aging population is increasing.In 2010 sixth national census data show that China's population aged 60 and above has reached 178 million,the proportion of the total population of 13.26%,is expected to 2020,will increase to about 255 million,the proportion increased to about 17.8%.China's aging population,not only has a big population base and a rapid growth,while also facing urban and rural regional development,the cause of aging and pension system construction is not balanced,lack of effective supply and aging services,talent shortage and other short board.In March 6,2017,the State Council issued the "State Council on the issuance of the" 13 th Five-Year "national aging development and pension system construction plan of the notice",explicitly "home-based,community-based,institutional as supplement,medical raising combined with the pension system" as the future development goal,but subject to the family structure of the "421" type.The cost and burden of pension institutions,community endowment will become the most important part of the pension system.In the new pension situation,how to effectively play the role of financial leverage multiplier,acceleration effect to solve the problems brought about by the aging of our country,help the community pension service has a very important research value.Specifically,is to study what kind of financial funds can be more effective for the community care service,operation and management after the analysis of financial capital into the pension industry community,and it can bring what kind of benefits to the community,to investigate the distribution of financial capital gains,capital can not only bring reward,also can promote the healthy development of the community endowment.In other words,it is from the financial point to answer the community pension financing,investment and distribution issues.By answering these questions,we can be familiar with the national financial community endowment policy,understand the role of the financial community endowment community endowment industry,to explore the community pension and financial capital cooperation mode,and ultimately achieve closed-loop financial in the community pension industry "".Based on the above background and purpose,through the collection of data,adopt on-the-spot investigation,comparison of our existing community endowment financial service model of community pension and community pension finance through deep analysis;using the method of questionnaire survey and summarize the problems of community endowment financial situation of our country,analysis of the effect of community financial community old-age pension industry.The main effect is the effect of scale economy and "wisdom";after the four factors of the impact of community pension finance,community endowment funds for different purposes,different ways of investment and distribution,summarizes three typical patterns of financial endowment community;and then,aiming at the problem in the mode,and put forward reasonable suggestions from three aspects of government,enterprise and individual community.