The Moderate Level Research Of Basic Endowment Insurance Personal Accounts Of Three Northeast Provinces Town Workers

In 1997,"the State Council on the establishment of unified enterprise worker is basic endowment insurance decision" after the release,the unified enterprise workers pension insurance system,the combination of social pooling and individual account Hybrid Pension system.But in actual operation,most of the provinces in the social pooling funds drawn from the personal account,the individual account is always in the "empty account" running state.By the end of 1999,the national individual accounts of the endowment insurance records of account of about 100000000000 yuan,most of which is "embezzlement".From the beginning of 2001,the establishment of Liaoning Province as the individual accounts of basic old-age insurance pilot,according to a 8% full make old-age insurance individual account,the central government and local governments according to a certain percentage of subsidies.In 2004,Heilongjiang and Jilin joined the pilot cohort,according to 5% make old-age insurance individual account.The three northeastern provinces have begun to make old-age insurance individual account,in accordance with the general requirements of the State Council steadily promote the pilot work,and achieved certain results.But there are also some problems in the reality,individual account pension is not appropriate level of three provinces in Northeast China influenced the sustainable development of individual account,so there are some problems need to modify.This article is divided into five chapters altogether.The first chapter introduces the related concepts and related theories.The need to use in the study of several important concepts to define the connotation and denotation.The second chapter analyzes the three northeastern provinces town worker is basic endowment insurance personal accounts during the pilot and the pilot after payment situation and the corresponding comparison.The third chapter mainly introduces the related domestic and foreign good moderate pay endowment insurance personal accounts experience for reference.The experience of domestic model selection is in Shandong province and Shanghai,chosen from the foreign experience for reference is Chile and Singapore.The fourth chapter is this article core chapter,mainly introduces the three northeastern provinces moderately town worker endowment insurance personal account pay cost level model in the research and comparison.In this section,modest pay cost level model is established first,and then under moderate pay cost level model empirical analysis was carried out on the three northeastern provinces,finally compare with modest contribution level of reality.The fifth chapter is the conclusion and countermeasures.In this chapter summarizes the conclusions,and based on the analysis of the above suggestions are put forward.