Research On The State-Level Pooling Plan Of China's Urban Workers' Basic Pension Insurance

With the weakening of the concept of "raising children for old age" and the development of the economy and society,more and more people no longer regard their children as the only support for the elderly,but actively explore other ways to ensure their old age life.Under this circumstance,most people begin to take pension insurance as their choice.In China,the basic pension insurance has played an important role in ensuring the basic life of the elderly since its establishment in the 1950s.But at the same time,some problems in the operation of the insurance also gradually appear.The main reason for the problems lies in the overall low pooling level of China's basic pension insurance.Based on the above situation,this paper takes the urban workers' basic pension insurance as the specific object and explores the pooling level problem.This paper first describes the current situation of the overall pooling level of China's urban workers' basic pension insurance and analyzes the development of the specific contents of the pension insurance,including pension funds,regulations,management and information system construction.Then this paper analyzes the problems in the development of China's urban workers' basic pension insurance under the above pooling level.Afterwards,this paper analyzes the various conditions of realizing the state-level pooling plan of China's urban workers' basic pension insurance.The steady growth of the central financial amount,the increasingly uniform payment system,the implementation of the central adjustment system and the gradual realization of the province-level pooling plan can accelerate the process of the state-level pooling plan,while the intricate subject interests,unbalanced economic and social development levels and imperfect auxiliary measures restrict the realization of the state-level pooling plan.Finally,in the part of countermeasures and suggestions to realize the state-level pooling plan,this paper proposes to consolidate the existing favorable conditions and take corresponding measures to reduce the impact of adverse conditions.