关于养老金的数学模型及其分析 (修复的) (3)

摘要

本文通过建立养老保险金的替代率和养老保险替代率的数学模型，通过计算从30、40岁分别开始缴纳养老保险费一定的年限，退休时可领取的养老保险金的月数和多少问题，得到退休时养老保险金收入和支出的状况和养老保险金存在的缺口问题。依据我国养老保险制度的发展历程，结合我国现行的养老保险制度存在的缺点，提出了通过不同途径解决我国现行养老保险制度面临问题的解决方法，并在此基础上给出了合理的建议。

关键词：养老保险制度，目标替代率，养老保险缺口

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ABSTRACT

Through the mathematical model establishment of pension insurance substitution rate and pension insurance substitution rate, by calculating from 30, 40 years of age respectively at the beginning of pay endowment insurance costs a certain number of years, retirement can receive the endowment insurance gold months and many problems, retirement pension income and expenditure conditions and pension insurance existing gap. According to the development process of old-age insurance system in China, combined with the disadvantages existing in the current endowment insurance system in China, is proposed through different ways to solve the current endowment insurance system in our country is faced with the solution to the problem, and on the basis of give the reasonable suggestions.

Key words: pension insurance system, target replacement rate, the gap of pension insurance

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目录

摘要 ........................................................................................................................ I ABSTRACT .......................................................................................................... II 1前言................................................................................................................ - 1 -

1.1养老保险金的概念............................................................................. - 1 -

1.2我国养老保险制度的发展历程......................................................... - 1 -

1.2.1初步创立时期（1951—1966年）......................................... - 1 -

1.2.2遭受破坏时期（1966—1976年）......................................... - 2 -

1.2.3恢复时期（1976—1992年）................................................. - 2 -

1.2.4执行、创新阶段（1993—今年）.......................................... - 2 -

1.3我国现行的企业职工基本养老保险制度......................................... - 2 -

1.3.1基本养老保险制度：.............................................................. - 3 -

1.3.2企业补充养老保险制度：...................................................... - 3 -

1.3.3个人储蓄保险制度：.............................................................. - 3 -

1.4我国养老保险制度发展的现状......................................................... - 3 -

2.建立养老保险金相关的数学模型 ............................................................... - 4 -

2.1 预测工资............................................................................................. - 4 -

2.2养老保险金的替代率模型................................................................. - 5 -

2.3养老金收支平衡的问题................................................................... - 12 -

2.3.1养老保险基金缺口问题的模型............................................ - 12 -

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