关于养老金的数学模型及其分析修复的.pdf

济南大学毕业论文 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 I 济南大学毕业论文 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 II 济南大学毕业论文 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：