居民储蓄型养老模式分析-analysis of residents saving pension model.docxVIP

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居民储蓄型养老模式分析-analysis of residents saving pension model.docx

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居民储蓄型养老模式分析-analysis of residents saving pension model

feasibilityofthetwoaspects,andanalyzedthecurrentChinasold-agesecuritysystem,socialandeconomicstructure,populationstructurechangeofold-agesecurity,andpromotetheresidentseconomicandsocialconditions.Onthisbasis,thearticletoconstructtheresidentsavingsaccountsasthecore,thedetaileddesignoftheresidentsofendowmentpatternorganizationsystem,investmentoperationsystem,supervisionsystemandrelatedsupportsystem.Residentsofendowmentpatternistomakepublicsecuritysystem,improvetheold-agesecuritylevel.Inthismode,involvestheresidentsshalldepositaccount(i.e.participants),orgnaizationofsocialinsurancecenter(i.e.,accountmanagerregion),thesocialinsurancecenterconcurrentlyoperatingagencies(investmentincommercialBanks),thewarehouser(commercialBanksshallconcurrently)andbeneficiary(designatedobject,includingpersonalandfamily)weresixelements,includingduetoorgnaizationofsocialinsurancecenter(area),andinvestmentaccountmanagerconcurrentlyoperatingagencies(commercialBanks)concurrentlythedepository.Thesocialinsurancecenterandginseng,whosignedanagreementormonthlypayannualpaygradethreeways,division,theginsengmeetaftertheagreementoftheobligationtopayannuities.ResidentsofthesavingsaccountchoiceasinvestmentoperationsofcommercialBanks,setminimumyield,thegovernmentbondsandbankdeposits,activelyparticipateincorporatebondsinvestmentandhousingloaninvestments,appropriateinterventionstockportfolioofflexibleway,forsavingsaccountsforthegreatestgains.Thedistributionofearningsafterdeductingoperatingcosts,inbothparticipantsandoperationorganizationtoensurethattheinterestsoftheginsengofrights,enjoymodereturnstheparticipationenthusiasmofginsengtoinspire,Alsowanttoconsidertheinterestsandpromotetheoperatingagencyoperatorstoprovidemoreactiveandeffectiveservice.Residentsofthesavingsaccounttosupervisenationalhumanresourceandsocialsecuritydepartmentofsocialinsurancefundsupervisionforsupervisionandsubject.Throughtheinhabitantsofsavingsaccounteffectivesupervision,powerfulagainstallkindsofrisks,improvesafety,safeguardresidentsacc