科研之友
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摘要
With the continuous improvement of people's living standards and life expectancy, people are enjoying the fun of longevity, but also facing a number of other problems. Such as, how to ensure the quality of their lives after retirement. Government and society should seriously consider and actively address these issues, and maintain a stable and healthy development of society. This article focuses on elderly people living allowances, pension replacement rate which should be controlled above the international pension "cordon", and the annuity algorithm to calculate the single premium. Taking the inflation into account, the choice of the ratio of net premium and the prevailing wage is necessary and according to the actual situation, this ratio is relatively stable. This paper uses the current charges by the insurance companies to calculate this ratio. By substituting this relative stable ratio into the formula of single premium, the relationship among the return of pension personal accounts, life expectancy and the retirement age can be obtained. Taking into account the change of retirement age is not only discrete but also lags behind the life expectancy. By selecting several different retirement age, this paper presents the individual accounts yield - retirement age curve in the figure respectively. According to the three diagram analysis, at each fixed retirement age, pension personal accounts yield and life expectancy exist a directly proportional relationship; individual pension accounts at a fixed rate of return, when people life expectancy increases, the retirement age must also be increased. The conclusion that Chinese government can draw is that government should take measures to increase the yield of individual pension accounts while taking into account the increase of retirement age and other measures under the longevity risk environment.
- 出版日期2015
- 单位武汉大学
