Research On The Balance Of Income And Expenditure Of Employees’ Pension Insurance Fund In Caidian District, Wuhan City

Pensions are influenced by an ageing population and supply-side structural reforms that need to "reduce costs".There are problems such as slowing income growth and accelerating spending growth.On October 1,2014,the state began implementing pension union,ending the "two-track system" of the past.What is the impact of the reform on the basic old-age insurance for urban workers in China,and how will it develop in its future revenue and expenditure as well as the rest of the situation? Whether the income and expenditure contradictions in pension funds can be mitigated is a question that must be discussed today.And Caidian District is the most serious aging area in Wuhan.Far city,at the same time facing the impact of the reform of pension insurance institutions,pension funds are facing greater pressure.To solve this problem,it is necessary to analyze the future fund income and expenditure in advance,find and solve the problems,and take effective measures to solve the imbalance of the income and expenditure that may occur on the basis of the analysis of the causes of the problems.This paper takes the contradiction of income and expenditure in the social fund as the background,chooses the basic old-age insurance of the urban workers as the research object,analyzes the current aging trend of the population in Cai-dian district,and the burden of the social pension has increased.The basic endowment insurance accumulates the fund is insufficient,the payment risk is more and more big.Through the investigation and exploration of Caidian District,the collection of materials and data in reality,the further analysis of the local implementation of specific policies as well as the influencing factors,qualitative analysis and analysis of the combination of investigation and analysis,Forecast the next three years Caidian District pension fund income and expenditure situation.From the forecast results,the future pension gap in Caidian District is becoming larger and larger.And in old-age insurance,There are also some problems in the bank,such as the current situation of insurance participation is not optimistic,the contradiction between income and expenditure is prominent,the fund accumulation is insufficient,and the financial support of the fund gap is weak.In view of these problems,this paper discusses a series of reasons,such as unbalance of population structure,mismatch of pension income and expenditure policy,personal account risk,lack of incentive and reform of old-age pension.In the end of this paper,after drawing lessons from the international advanced practical experience,this paper puts forward some countermeasures and suggestions to the actual situation of Cai Dian District.Expand the collection,improve the old-age income and expenditure policy,gradually realize the overall planning of the old-age insurance,improve the design of the fund system,and Delay retirement age,construct scientific retirement mechanism,strengthen fund sustainability,cancel personal account lifetime system,optimize individual account operation mechanism;Strengthen the local financial security mechanism,increase the intensity of financial subsidies,so as to enhance the risk prevention of the purpose of the fund.This paper has some innovations in the forecast and analysis of pension insurance income and expenditure in Caidian district.After the reform of machine insurance in Caidian district,there is no whole set of research on the integration of funds,and the corresponding suggestions and countermeasures are put forward to solve the existing difficulties of income and expenditure.It is hoped that we can explore the strategic thinking on the development of social security in Caidian District,and put forward the corresponding countermeasures to the relevant government departments and social security institutions on the operation of the pension fund.However,due to the limitations of my ability,there are still many deficiencies,the depth and breadth of the study are not enough,at the same time,the endowment insurance system is a strong policy,many factors can not be known in advance.The forecast of future fund income and expenditure is limited to a certain extent.