Research On The Current Situation Of China's Endowment Insurance Gap And Its Compensation Methods

Endowment insurance is an important measure for providing elderly people with endowment insurance and stabilizing social development.In 2005,the "Decision on Improving the Basic Endowment Insurance System for Enterprise Employees" marked the beginning of the transition of China's pension insurance to the partial accumulation system of social pooling and individual accounts.With the increase of pension insurance and the aging of China,the problem of pension insurance gap has become increasingly prominent.Therefore,it is particularly important to study the pension gap and explore the way it is compensated.Through reviewing relevant literatures,the article reviews domestic and foreign research on pension insurance and its gaps,as well as relevant experience,sums up the domestic research to calculate the pension gap,the rate of return measurement and the reasons for the pension gap;foreign pension insurance The system research is extensive,mainly for the study of pension insurance entering the market,the development of pension insurance system and the pension insurance gap.This paper analyzes and summarizes the current situation of pension gap,mainly in the gap and long duration,and the main reason for this state is that the original system is not suitable for the development of pensions and aging,and the short-term risks will occur in the pension gap.Long-term risks.The calculation of the pension gap is carried out.This paper uses the population prediction model,the pension income model and the pension gap prediction model to measure the gap in China's 2010-2060 50 years.The forecast data indicates that in the future,China's pension gap will continue to expand,reaching 2.75 trillion in 2060.In the way of making up the pension gap,four types of transfer of state-owned capital to enrich social security funds,delay employee retirement and pension age,increase pension investment return rate and increase government subsidies were proposed.Recognizing that the compensation for the pension gap needs to work in many ways.This paper is based on 5 tables,8 figures,and 54 references.