With the aging process, people been looked after properly in the old age has already become an important index to the national happiness index. Nowadays, government has a increasingly clear roadmap in promoting the de...With the aging process, people been looked after properly in the old age has already become an important index to the national happiness index. Nowadays, government has a increasingly clear roadmap in promoting the development of pension system. Pension system unification refers to the same pension system for workers in public institutions and enterprises. It is a relative concept to the dual pension system. It has positive effect on social equity. But it also has many problems. In this article, author explained the relation between pension system unification and social equity on the basic of analyzing viewpoints of several scholars. And make comments by extending it and analyzing it.展开更多
This paper analyzes and summarizes the excellent experiences and measures which are worth learning from the analysis of the reform and perfection process of Sweden pension system. Combined with the current problems in...This paper analyzes and summarizes the excellent experiences and measures which are worth learning from the analysis of the reform and perfection process of Sweden pension system. Combined with the current problems in China, put forward the corresponding policy recommendations.展开更多
With China's aging population, the aging level of the population is gradually improving, and the number of disabled and demented elderly people is increasing. Besides, the rehabilitation and nursing problems of ca...With China's aging population, the aging level of the population is gradually improving, and the number of disabled and demented elderly people is increasing. Besides, the rehabilitation and nursing problems of car accidents, disability and semi-disability also plague thousands of families. However, at this stage, the medical team and rehabilitation are independent of each other. It is inconvenient for sanatorium to seek medical treatment, and hospitals cannot provide long-term beds for disabled and demented elderly people. Most disabled and demented elderly people often need to travel to and from their families, hospitals and rehabilitation institutions after they get sick, which not only delays treatment, but also increases the financial burden of their families. The health problems related to aging pose a serious challenge to the current care and health care system for the disabled and demented elderly. In order to actively respond to the aging of the population and meet the medical care needs of the elderly, a pension system for the disabled and demented elderly has been implemented. The disabled and demented elderly are a special group of the elderly in our country. Because their old-age problems and living conditions can't be effectively guaranteed, they have also been widely concerned by the society. In view of the lack of social knowledge guarantee and the defects of family care for the disabled and demented elderly in our country at present, it is necessary to further construct the old-age security system for the disabled and demented elderly.展开更多
The Chinese government attaches great importance to the social security system, and makes it as an important pillar of socialist market economic system. Especially in the last decade, we seize the sustained, rapid and...The Chinese government attaches great importance to the social security system, and makes it as an important pillar of socialist market economic system. Especially in the last decade, we seize the sustained, rapid and healthy development of the favorable opportunity of the construction of social security system; we have made unremitting efforts and achieved important progress. After years of exploration and practice, we have a clear basic principles of the social security system and the overall objectives and major tasks, we also established social pooling and individual accounts of the basic old-age insurance, basic medical insurance system, covering pension, medical, unemployment, work injury and maternity insurance, the urban minimum living security system and the framework of the social security system basically forms. The coverage of social insurance continuously expands social security funds which are through nmltiple channels to raise the initial formation mechanism forms, the level of protection continuously improves, and management and service system also gradually improves. The social security system＇ s reform and development plays a very important role in ensuring the basic livelihood of the people, the state-owned enterprise reform, and the smooth progress of economic restructuring.展开更多
This paper introduces the development of the pension system in East Asian and Southeast Asian countries in the backdrop of population aging all over the world.Based on the historical development and comparison of the ...This paper introduces the development of the pension system in East Asian and Southeast Asian countries in the backdrop of population aging all over the world.Based on the historical development and comparison of the present pension systems of different countries in East Asia and Southeastern Asia,this paper proposes the key components and the functions of each component of the pension system.Moreover shortcomings of low coverage and benefit and suggestions for the future are also covered in this paper.展开更多
This paper develops a unified theory integrating the three pillars of the pension system—public,occupational,and private pensions—within a heterogeneous-agent overlapping generations(OLG)model.By incorporating incom...This paper develops a unified theory integrating the three pillars of the pension system—public,occupational,and private pensions—within a heterogeneous-agent overlapping generations(OLG)model.By incorporating income heterogeneity and institutional features unique to each pillar,the model captures how individuals across the income distribution participate in the pension system and derive utility.We characterize the distinct yet interactive roles of each pillar in providing risk sharing and retirement security and identify fundamental trade-offs in pension design.Our model provides a laboratory for analyzing the coordination of the three pillars that aims at enhancing equity and fiscal sustainability.展开更多
This paper mainly analyzes development and reform of China’s pension system. It introducesthe evolution of China’s pension system reform and discusses its strengths and problems.The paper then proposes some suggesti...This paper mainly analyzes development and reform of China’s pension system. It introducesthe evolution of China’s pension system reform and discusses its strengths and problems.The paper then proposes some suggestions on the direction of China’s pension reform. Thelast section is devoted to a discussion of China’s corporate occupational pension, which isa fast-developing area of the pension system.展开更多
Against the backdrop of uneven pressure on the three-pillar pension system and a mismatch between pension funds and the demographic structure,a large number of employees in new forms of employment remain outside the p...Against the backdrop of uneven pressure on the three-pillar pension system and a mismatch between pension funds and the demographic structure,a large number of employees in new forms of employment remain outside the pension security system,facing relatively high pension risks.Due to their high job mobility,weak long-term planning ability,and large income fluctuations,on the basis of maintaining the balance of the three-pillar pension system,individual pension schemes may become a breakthrough point for improving the pension situation of employees in new forms of employment.In line with the national goal of building a multi-level and multi-pillar old-age insurance system,to study the supplementary role of the third-pillar individual pension policy for employees in new forms of employment,this article constructs an evaluation system using the analytic hierarchy process and designs a questionnaire.After conducting a questionnaire survey in six cities in Shandong Province,the collected data are analyzed.It is found that the short-term effect of the current policy is that residents'awareness of pension issues is gradually improving,and the participation rate is increasing,but the behavior is short-term,and residents generally tend to avoid pension risks.Therefore,regarding the deepening of the individual pension system,the article puts forward three suggestions:(1)Conduct comprehensive publicity through multiple channels and with emphasis on key points;(2)Enhance the system's attractiveness according to the characteristics of the target population;(3)Improve the public's awareness of pension planning and financial literacy;(4)Strengthen the connection and transformation among different pillars of the pension system.展开更多
Since 2009, the new rural pension insurance in Heilongjiang Province has obtained certain achievements, but the effects are not obvious. Reflection on the development process, we find that there are a lot of problems....Since 2009, the new rural pension insurance in Heilongjiang Province has obtained certain achievements, but the effects are not obvious. Reflection on the development process, we find that there are a lot of problems. Therefore, in order to guarantee the smooth implementation of new rural social pension insurance work in Heilongjiang Province, this paper combined with the reality to provide several suggestions for improving the new rural social pension insurance system in Heilongjiang Province.展开更多
Presently,the growth of residents’consumption is slowing,which necessitates the expansion of domestic demand.Against this backdrop,research on the impact of pension insurance on the optimization of the consumption st...Presently,the growth of residents’consumption is slowing,which necessitates the expansion of domestic demand.Against this backdrop,research on the impact of pension insurance on the optimization of the consumption structure in rural areas not only facilitates the welfare of rural residents and improves their consumption structure but also boosts the sustainable and healthy development of the Chinese economy.This paper applies China Family Panel Studies(CFPS)micro-data in 2018 and adopts Propensity Score Matching(PSM)to research the impact of China’s pension insurance system on the consumption structure in rural areas and its heterogeneity.This paper draws a conclusion at four levels.First,pension insurance effectively optimizes the consumption structure in rural areas,increases the current overall consumption level by 0.0024 percent,and objectively releases the consumption potential in rural areas.Second,participation in pension insurance enhances the overall consumption level of rural families in eastern China,central China,and northeastern China by 0.08 percent,0.146 percent,and 0.0446 percent respectively,yet,that inhibits the overall consumption level of rural families in rural areas in western China by 0.1057 percent.Third,from eastern China to western China,with regard to pension insurance,as its impact on consumption shifts from a higher level to a lower level,its impact on the optimization of consumption structures sinks to a lower level.Fourth,in terms of major factors,age(older),matrimonial res(married),years of education(longer),health(poor),and the number of family members(small)contribute to the stronger willingness to participate in pension insurance.展开更多
With the improvement of the degree of aging,the traditional pension model can no longer meet the growing needs of the elderly.Therefore,it is necessary to use the intelligent means of information technology to improve...With the improvement of the degree of aging,the traditional pension model can no longer meet the growing needs of the elderly.Therefore,it is necessary to use the intelligent means of information technology to improve the level of pension services.This paper will integrate multi-sensor fusion technology,NB-IoT communication technology and cloud platform technology to develop and design a smart pension online monitoring system to realize real-time collection of human health and motion status information and realize monitoring platform management.In this system,STM32 microcontroller will be used as the main control module,and MAX30102,ADXL345 and DS18B20 sensors will be used to collect the heart rate,blood oxygen,displacement and body temperature of the human body in real time.On the one hand,the communication part is completed by the BC20 Internet of Things module.The data transmission between the terminal detection device and the cloud platform,on the other hand,the HC-42 Bluetooth module is used to complete the data communication with the mobile phone.The test results show that the system can collect and process data accurately in real time and maintain good communication with the cloud platform and mobile phone.The designed system has strong pertinence,easy operation,high reliability and broad development prospects.展开更多
The rate of return on capital is a key parameter in pension reform policy making. While evaluating pension reform, the method Feldstein proposed to measure the rate of return on capital is widely adopted. Here we calc...The rate of return on capital is a key parameter in pension reform policy making. While evaluating pension reform, the method Feldstein proposed to measure the rate of return on capital is widely adopted. Here we calculate the rate of return on capital in China by this method. The calculation demonstrates that the rate of retum on all the industrial enterprises is around 6.5 percent from 1996 to 2000, and the average rate of return on state-owned industrial enterprises is lower than the above figure by 1.5 percent during the same period. Finally, we draw a conclusion that the rate of return ranging from 5 to 7 percent is appropriate for the pension reform in China.展开更多
The most recent trends in population dynamics have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The pay-as-you-go system is dominated by the state that g...The most recent trends in population dynamics have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The pay-as-you-go system is dominated by the state that guarantees its stability. Private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address this issue, this paper makes both an assessment and analysis of the arguments put forward in favor of the preservation of the pay-as-you-go system and a comparison of this system with some of the main characteristics of the private accounts system. This is the basis for seeking the objectively defined role of the pay-as-you-go system in the conditions of the market economy. A couple of conclusions that have been formulated might be of interest for the future improvement of the organization and management of pension insurance.展开更多
China’s public pension system is managed at the provincial level.In recent years,the development of public pension system in the provinces has become more unbalanced.The increase in the gap between the developed and ...China’s public pension system is managed at the provincial level.In recent years,the development of public pension system in the provinces has become more unbalanced.The increase in the gap between the developed and less developed regions of China has become increasingly evident.Based on an analysis of changes to population structure in each province during the 20 year period 1995-2015,combined with research focused on public pension policy,this paper finds that there are great differences in the structure of population in each province with respect to age,type(the ratio of local residents to migrants),and quality(the proportion of the population with higher education).All of these are important factors that help to explain the unbalanced development of the public pension system.China’s developed regions have cumulative advantages in these three areas,and this study found that the gap between developed and less developed regions was growing.Among the three factors,the influences of population age and quality structure were a reflection of normal social phenomenon,while variations of population type structure in the provinces were largely a result of the way in which China’s public pension transfer policy is designed.In this paper,the author argues that if barriers to migration were removed,greater population mobility would help realize national management of the public pension system.展开更多
The aging development in Shanghai shows speed, high degree of aging, the number of elderly people living alone increased and other trends, the contradiction between degree of aging and care become more prominent. Howe...The aging development in Shanghai shows speed, high degree of aging, the number of elderly people living alone increased and other trends, the contradiction between degree of aging and care become more prominent. However, the prevalence of current pension model has a pension without medical care, health care and pension separate and other issues, so the development of ＂medical support combined with pension＂ long-term care insurance system is imperative. Based on the study to explore parts of the country which operate basic pension model of＂medical pension combination＂, we analyze the necessity and feasibility of the implementation of Shanghai ＂medical support combined with pension ＂ long-term care insurance system, by summing up experiences and lessons, put forward some of the recommendations for the development in Shanghai ＂medical support combined with pension＂ type of long-term care system.展开更多
In the reform of government organizations and institutions of China, we put forward the establishment of personal account system in occupational pension, and the introduction of the ＂account＂ management model of the...In the reform of government organizations and institutions of China, we put forward the establishment of personal account system in occupational pension, and the introduction of the ＂account＂ management model of the non real account accumulation. This paper analyzes the current situation of personal accounts in our country, and puts forward that the account rate of bank deposit can not resist inflation, and can not reflect the real return rate of China＇s pension funds, which is not conducive to the preservation and appreciation of personal account funds. On the basis of the above, the paper puts forward that the account rate should not only consider the level of economic development and inflation, but also to adapt to the financial payment ability, and establish the personal account risk reserve fund system and other improvement measures, and strive to achieve the sustainable development of the personal account system.展开更多
With the rapid development of economy in our country, the level of science and technology innovation, all of these prolong the life span of our life. Thus an aging population are increasingly highlight, which are deep...With the rapid development of economy in our country, the level of science and technology innovation, all of these prolong the life span of our life. Thus an aging population are increasingly highlight, which are deeply and widely influenced our society, economy, life and other aspects. As the basic insurance which maintain the elderly＇s life quality after they retired, Pension insurance will promove social stability and development. How to reform Pension insurance under the background of the aging of the population will get more and more attention from people. This article starts with the concept of the aging of the population and its development trend. Next, the article analyses the problems of Pension Insurance under the background of the aging of the population. Last, the article summarizes countermeasures according to solve these matters.展开更多
文摘With the aging process, people been looked after properly in the old age has already become an important index to the national happiness index. Nowadays, government has a increasingly clear roadmap in promoting the development of pension system. Pension system unification refers to the same pension system for workers in public institutions and enterprises. It is a relative concept to the dual pension system. It has positive effect on social equity. But it also has many problems. In this article, author explained the relation between pension system unification and social equity on the basic of analyzing viewpoints of several scholars. And make comments by extending it and analyzing it.
文摘This paper analyzes and summarizes the excellent experiences and measures which are worth learning from the analysis of the reform and perfection process of Sweden pension system. Combined with the current problems in China, put forward the corresponding policy recommendations.
文摘With China's aging population, the aging level of the population is gradually improving, and the number of disabled and demented elderly people is increasing. Besides, the rehabilitation and nursing problems of car accidents, disability and semi-disability also plague thousands of families. However, at this stage, the medical team and rehabilitation are independent of each other. It is inconvenient for sanatorium to seek medical treatment, and hospitals cannot provide long-term beds for disabled and demented elderly people. Most disabled and demented elderly people often need to travel to and from their families, hospitals and rehabilitation institutions after they get sick, which not only delays treatment, but also increases the financial burden of their families. The health problems related to aging pose a serious challenge to the current care and health care system for the disabled and demented elderly. In order to actively respond to the aging of the population and meet the medical care needs of the elderly, a pension system for the disabled and demented elderly has been implemented. The disabled and demented elderly are a special group of the elderly in our country. Because their old-age problems and living conditions can't be effectively guaranteed, they have also been widely concerned by the society. In view of the lack of social knowledge guarantee and the defects of family care for the disabled and demented elderly in our country at present, it is necessary to further construct the old-age security system for the disabled and demented elderly.
文摘The Chinese government attaches great importance to the social security system, and makes it as an important pillar of socialist market economic system. Especially in the last decade, we seize the sustained, rapid and healthy development of the favorable opportunity of the construction of social security system; we have made unremitting efforts and achieved important progress. After years of exploration and practice, we have a clear basic principles of the social security system and the overall objectives and major tasks, we also established social pooling and individual accounts of the basic old-age insurance, basic medical insurance system, covering pension, medical, unemployment, work injury and maternity insurance, the urban minimum living security system and the framework of the social security system basically forms. The coverage of social insurance continuously expands social security funds which are through nmltiple channels to raise the initial formation mechanism forms, the level of protection continuously improves, and management and service system also gradually improves. The social security system＇ s reform and development plays a very important role in ensuring the basic livelihood of the people, the state-owned enterprise reform, and the smooth progress of economic restructuring.
基金the staged achievement of the national natural science fund program(71303195)the humanities and social sciences fund program of the Ministry of Education(11YJC630256)+1 种基金the soft science fund program of Sichuan Province(2014ZR0137)the special fund program of the basic scientific research of central colleges and universities(2682014CX116)
文摘This paper introduces the development of the pension system in East Asian and Southeast Asian countries in the backdrop of population aging all over the world.Based on the historical development and comparison of the present pension systems of different countries in East Asia and Southeastern Asia,this paper proposes the key components and the functions of each component of the pension system.Moreover shortcomings of low coverage and benefit and suggestions for the future are also covered in this paper.
文摘This paper develops a unified theory integrating the three pillars of the pension system—public,occupational,and private pensions—within a heterogeneous-agent overlapping generations(OLG)model.By incorporating income heterogeneity and institutional features unique to each pillar,the model captures how individuals across the income distribution participate in the pension system and derive utility.We characterize the distinct yet interactive roles of each pillar in providing risk sharing and retirement security and identify fundamental trade-offs in pension design.Our model provides a laboratory for analyzing the coordination of the three pillars that aims at enhancing equity and fiscal sustainability.
文摘This paper mainly analyzes development and reform of China’s pension system. It introducesthe evolution of China’s pension system reform and discusses its strengths and problems.The paper then proposes some suggestions on the direction of China’s pension reform. Thelast section is devoted to a discussion of China’s corporate occupational pension, which isa fast-developing area of the pension system.
基金funded by the National College Students'Innovation and Entrepreneurship Training Program(No.202410456025)supported by the China Center of the Serbian Academy of Sciences and Arts and the Hong Kong Institute of Humanities and Natural Sciences and Technology.
文摘Against the backdrop of uneven pressure on the three-pillar pension system and a mismatch between pension funds and the demographic structure,a large number of employees in new forms of employment remain outside the pension security system,facing relatively high pension risks.Due to their high job mobility,weak long-term planning ability,and large income fluctuations,on the basis of maintaining the balance of the three-pillar pension system,individual pension schemes may become a breakthrough point for improving the pension situation of employees in new forms of employment.In line with the national goal of building a multi-level and multi-pillar old-age insurance system,to study the supplementary role of the third-pillar individual pension policy for employees in new forms of employment,this article constructs an evaluation system using the analytic hierarchy process and designs a questionnaire.After conducting a questionnaire survey in six cities in Shandong Province,the collected data are analyzed.It is found that the short-term effect of the current policy is that residents'awareness of pension issues is gradually improving,and the participation rate is increasing,but the behavior is short-term,and residents generally tend to avoid pension risks.Therefore,regarding the deepening of the individual pension system,the article puts forward three suggestions:(1)Conduct comprehensive publicity through multiple channels and with emphasis on key points;(2)Enhance the system's attractiveness according to the characteristics of the target population;(3)Improve the public's awareness of pension planning and financial literacy;(4)Strengthen the connection and transformation among different pillars of the pension system.
基金Supported by the Philosophy Social Science Fund Project of Heilongjiang Province (10D061)
文摘Since 2009, the new rural pension insurance in Heilongjiang Province has obtained certain achievements, but the effects are not obvious. Reflection on the development process, we find that there are a lot of problems. Therefore, in order to guarantee the smooth implementation of new rural social pension insurance work in Heilongjiang Province, this paper combined with the reality to provide several suggestions for improving the new rural social pension insurance system in Heilongjiang Province.
文摘Presently,the growth of residents’consumption is slowing,which necessitates the expansion of domestic demand.Against this backdrop,research on the impact of pension insurance on the optimization of the consumption structure in rural areas not only facilitates the welfare of rural residents and improves their consumption structure but also boosts the sustainable and healthy development of the Chinese economy.This paper applies China Family Panel Studies(CFPS)micro-data in 2018 and adopts Propensity Score Matching(PSM)to research the impact of China’s pension insurance system on the consumption structure in rural areas and its heterogeneity.This paper draws a conclusion at four levels.First,pension insurance effectively optimizes the consumption structure in rural areas,increases the current overall consumption level by 0.0024 percent,and objectively releases the consumption potential in rural areas.Second,participation in pension insurance enhances the overall consumption level of rural families in eastern China,central China,and northeastern China by 0.08 percent,0.146 percent,and 0.0446 percent respectively,yet,that inhibits the overall consumption level of rural families in rural areas in western China by 0.1057 percent.Third,from eastern China to western China,with regard to pension insurance,as its impact on consumption shifts from a higher level to a lower level,its impact on the optimization of consumption structures sinks to a lower level.Fourth,in terms of major factors,age(older),matrimonial res(married),years of education(longer),health(poor),and the number of family members(small)contribute to the stronger willingness to participate in pension insurance.
基金supported by Jiangsu Provincial Natural Science Fund(BK20150247)the Fundamental Research Funds for Postgraduate Research&Practice Innovation Program of Jiangsu Province(XSJCX22_36,XSJCX22_44,SJCX22_1479)
文摘With the improvement of the degree of aging,the traditional pension model can no longer meet the growing needs of the elderly.Therefore,it is necessary to use the intelligent means of information technology to improve the level of pension services.This paper will integrate multi-sensor fusion technology,NB-IoT communication technology and cloud platform technology to develop and design a smart pension online monitoring system to realize real-time collection of human health and motion status information and realize monitoring platform management.In this system,STM32 microcontroller will be used as the main control module,and MAX30102,ADXL345 and DS18B20 sensors will be used to collect the heart rate,blood oxygen,displacement and body temperature of the human body in real time.On the one hand,the communication part is completed by the BC20 Internet of Things module.The data transmission between the terminal detection device and the cloud platform,on the other hand,the HC-42 Bluetooth module is used to complete the data communication with the mobile phone.The test results show that the system can collect and process data accurately in real time and maintain good communication with the cloud platform and mobile phone.The designed system has strong pertinence,easy operation,high reliability and broad development prospects.
基金This work was supported in part by National Nature Science Foundation of China key project under Grant No. 70531010.
文摘The rate of return on capital is a key parameter in pension reform policy making. While evaluating pension reform, the method Feldstein proposed to measure the rate of return on capital is widely adopted. Here we calculate the rate of return on capital in China by this method. The calculation demonstrates that the rate of retum on all the industrial enterprises is around 6.5 percent from 1996 to 2000, and the average rate of return on state-owned industrial enterprises is lower than the above figure by 1.5 percent during the same period. Finally, we draw a conclusion that the rate of return ranging from 5 to 7 percent is appropriate for the pension reform in China.
文摘The most recent trends in population dynamics have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The pay-as-you-go system is dominated by the state that guarantees its stability. Private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address this issue, this paper makes both an assessment and analysis of the arguments put forward in favor of the preservation of the pay-as-you-go system and a comparison of this system with some of the main characteristics of the private accounts system. This is the basis for seeking the objectively defined role of the pay-as-you-go system in the conditions of the market economy. A couple of conclusions that have been formulated might be of interest for the future improvement of the organization and management of pension insurance.
文摘China’s public pension system is managed at the provincial level.In recent years,the development of public pension system in the provinces has become more unbalanced.The increase in the gap between the developed and less developed regions of China has become increasingly evident.Based on an analysis of changes to population structure in each province during the 20 year period 1995-2015,combined with research focused on public pension policy,this paper finds that there are great differences in the structure of population in each province with respect to age,type(the ratio of local residents to migrants),and quality(the proportion of the population with higher education).All of these are important factors that help to explain the unbalanced development of the public pension system.China’s developed regions have cumulative advantages in these three areas,and this study found that the gap between developed and less developed regions was growing.Among the three factors,the influences of population age and quality structure were a reflection of normal social phenomenon,while variations of population type structure in the provinces were largely a result of the way in which China’s public pension transfer policy is designed.In this paper,the author argues that if barriers to migration were removed,greater population mobility would help realize national management of the public pension system.
文摘The aging development in Shanghai shows speed, high degree of aging, the number of elderly people living alone increased and other trends, the contradiction between degree of aging and care become more prominent. However, the prevalence of current pension model has a pension without medical care, health care and pension separate and other issues, so the development of ＂medical support combined with pension＂ long-term care insurance system is imperative. Based on the study to explore parts of the country which operate basic pension model of＂medical pension combination＂, we analyze the necessity and feasibility of the implementation of Shanghai ＂medical support combined with pension ＂ long-term care insurance system, by summing up experiences and lessons, put forward some of the recommendations for the development in Shanghai ＂medical support combined with pension＂ type of long-term care system.
文摘In the reform of government organizations and institutions of China, we put forward the establishment of personal account system in occupational pension, and the introduction of the ＂account＂ management model of the non real account accumulation. This paper analyzes the current situation of personal accounts in our country, and puts forward that the account rate of bank deposit can not resist inflation, and can not reflect the real return rate of China＇s pension funds, which is not conducive to the preservation and appreciation of personal account funds. On the basis of the above, the paper puts forward that the account rate should not only consider the level of economic development and inflation, but also to adapt to the financial payment ability, and establish the personal account risk reserve fund system and other improvement measures, and strive to achieve the sustainable development of the personal account system.
文摘With the rapid development of economy in our country, the level of science and technology innovation, all of these prolong the life span of our life. Thus an aging population are increasingly highlight, which are deeply and widely influenced our society, economy, life and other aspects. As the basic insurance which maintain the elderly＇s life quality after they retired, Pension insurance will promove social stability and development. How to reform Pension insurance under the background of the aging of the population will get more and more attention from people. This article starts with the concept of the aging of the population and its development trend. Next, the article analyses the problems of Pension Insurance under the background of the aging of the population. Last, the article summarizes countermeasures according to solve these matters.
