A Study On The Sustainability Of The Basic Pension Insurance Fund For The Local Government And The Urban And Rural Residents

With the rapid development of China's economic and social development in recent years, the problem of population aging has become more and more prominent, especially in urban and rural residents how to protect the elderly has become an urgent problem to be solved. In July 2011, Jizhou district was listed as the third batch of urban and rural residents social endowment insurance pilot work area, the exploration and practice of the old age insurance system for all urban and rural residents, walk in the forefront of the province. At the beginning of 2015, Jizhou district will be officially urban and rural residents pension insurance system with, the establishment of the pension system covering all residents of Jizhou district. The implementation of the merger of the system to get rid of the structure of urban and rural areas two yuan and safeguard social fairness and justice is of great significance. Jizhou district as the center of Ji'an City, the implementation of the basic old-age insurance system for urban and rural residents in the region has significant characteristics and a certain representation. Through the research and Analysis on the sustainability of pension funds, hope to provide a reference for the successful implementation of the system in the country,In this paper, first of all, the domestic and foreign research on pension insurance and sustainability of the exposition were summarized, the basic old-age insurance for urban and rural residents how to develop mature gives the relevant description, based on the theoretical basis of this paper made a summary, and explains the connotation of the sustainable development of endowment insurance fund,As well as the extraction and enumeration of the basic pension funds sustainability metrics.Secondly, based on the analysis summarized in recent years, Jizhou District, urban and rural residents in the basic old-age insurance implementation and fund operation of the overall situation, taking the urban and rural residents in Jizhou district as the sample group, take the way of investigation and questionnaire, the proportion of residents, the degree of understanding of the system, the reasons for the insured, payment standards, the future willingness to participate in the study and other factors, and draw the relevant conclusions: Gender and the work involved almost no impact on the willingness to participate; As the age of residents increased their desire to participate in the insurance also increased; Education level is also about people's enthusiasm and so on. Then from three aspects such as the income indicators and expenditure indicators, balance index and efficiency index, economic indicators and warning indicators the sustainability of Jizhou district urban and rural residents in the basic old-age insurance fund for the evaluation and analysis.Finally, according to the conclusions of the investigation and the analysis of relevant indicators, this paper puts forward some countermeasures and suggestions to promote the basic old-age insurance fund for urban and rural residents in Jizhou District sustainability: Improve financial responsibility at all levels to share, the formation of stable financing growth mechanism; Rational operation fund, to achieve value preservation and increment; To develop long-term stable incentive measures, guide insured residents to choose high-grade standard payment.