| With the continuous improvement of the level of economic and social development,people's pension,medical care,unemployment,disability and other issues can no longer be regarded as the responsibility of individuals and families.The social risks brought about by the social security system.The implementation of the social security system can effectively resolve the social risks brought about by economic and social development,promote the healthy development of the national economy,and play a role in promoting human equality,maintaining social justice and maintaining social stability.The existence and operation of the social security system are inseparable from a solid economic foundation and material security.This economic foundation and material security are social security funds.The social insurance fund is the most important component of the social security fund.It is the people's pension and life-saving money.Its safety,health,and sustainable development guarantee,improve,and improve people's welfare,and promote the construction and development of the social security system crucial.Compared with other social insurances such as medical treatment and unemployment,pension insurance has a wide coverage and great influence.It is the most important component of social insurance,and it is also the most concerned by the people and all walks of life.At present,the sustainable development of China's pension insurance funds is facing many problems:the contradiction of pension insurance funds' income and expenditure is gradually emerging;the situation of population aging is grim,and the pressure of pension insurance fund payment will continue to increase in the future;Unbalanced;there are contradictions in the management and operation of pension insurance funds,and there are hidden risks in the preservation and appreciation of funds;the construction of laws,supervision,fund investment management and other systems in the field of social security urgently needs to be promoted.As a province with a large population,Shandong has a large number of elderly people,and the pension insurance benefits are increasing year by year,resulting in a high growth rate of pension expenditures.It is also necessary to raise funds for the central government.The pressure on pension funds to pay continues to increase.At the same time,with the continuous deepening of various reforms in Shandong Province and the optimization and upgrading of the industrial structure,some enterprises and labor are bound to be eliminated by the market,which will adversely affect the payment capabilities of participating units and individuals.The "fee reduction" policy also puts a certain pressure on the growth of social security fund income.Although there is still a certain fund balance,the development situation of each coordinating region is uneven,and there are hidden risks in the preservation and appreciation of funds.The future sustainable development of pension insurance funds in Shandong Province faces great challenges.Based on the current status of the basic pension insurance system in Shandong Province,this paper uses the actuarial analysis model(PFA)of the pension insurance fund developed by the Social Insurance Management Center of the Ministry of Human Resources and Social Security to support the income and expenditure of the Shandong pension fund and fund support.Ability to carry out predictions,analyze the contradictions and problems facing the sustainable development of pension insurance funds,conduct in-depth discussions on the factors that affect the sustainable development ability of pension insurance funds,and propose to alleviate the contradictions of pension insurance funds' income and expenditure,enhance pension insurance fund support capabilities,and improve Fund investment and management level,speed up the promotion of various system construction and reform in the field of social security,and countermeasures and suggestions to promote the healthy and sustainable development of pension insurance funds. |
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