Research On The Balance Of Liaoning Company Worker Endowment Insurance Fund

In recent years,with the development of our country's economic and the improvement of people's standard of living and medical conditions,people's life expectancy is greatly prolonged.And it will lead to some serious problem of population aging,imbalances of insurance fund payments,and it will take some bad influences to the development of the economic and the harmony and stability of the social.To improve the construction of our country's insurance system and the sustainable development of the insurance fund,has become one of the hotspots of our party and our country concerned.Liaoning Province as the pilot province of China's endowment insurance system reform,because it has some serious problem of population aging and the balance of pension insurance fund payments.Study the reform of Liaoning Province's endowment insurance system has the reference meaning for the reform of national endowment insurance system.Besides the introduction,the main content is divided into five parts.The first part,it introduces the related concept of the old-age insurance system for enterprise employees,including the financial model of the endowment insurance,the meaning,characteristics and significance of old-age insurance system for enterprise employees,the parameter adjustment theroy of the balance of enterprise workers pension insurance.It lays a theoretical foundation for the research of the balance of Liaoning enterprise pension insurance fund.The second part,it introduces and analyses the current system of Liaoning old-age insurance in enterprise,constructs the pension insurance actuarial model.And combining with the actuarial model,it will find some problems of the balance of the endowment insurance fund by calculating Liaoning province enterprise workers pension insurance payments situationthe from the social pooling and individual account.The third part,it analyses elasticity parameters of the balance of the old-age insurance system for enterprise employees in Liaoning province.The paramenters includes the insurance rate,the payment rate,substitution rate,the retirement age.To find the effect of each parameter on the pension insurance elasticity.The fourth part,it mainly introduces the parameters adjustment scheme based on the balance of payments of pensions insurance.The scheme combine the insurance rate,the payment rate,the substitution rate,the retirement age.To suppose that there are two kinds of combination scheme,one is the radical combination scheme,the other one is the gradual combination scheme,and to study what kind of combination scheme is more conducive to the healthy and stable development of the enterprise workers pension insurance of Liaoning province.The fifth part,it puts forward the corresponding countermeasure and suggestion.The above analysis suggests the reasonable opinions and suggestions of the balance of Liaoning province enterpriseworkers pension insurance fund.