2. For example, according to the above formula, the average monthly salary of employees in the province with 20 13 degrees is 4,000 yuan, the actual individual contribution base is 2,000 yuan, the average monthly salary of employees in the province with 20 14 degrees is 4,500 yuan, and the joint individual contribution base of the application group is 2,200 yuan, so the average individual contribution index is = [(2000/4,000
1. Pension insurance
Based on the living security of the elderly, an insurance fund is established through redistribution or savings to pay the living expenses of the elderly.
2. Its implementation has the following functions:
1) is conducive to ensuring labor reproduction.
The establishment of the old-age insurance system is conducive to the normal intergenerational replacement of the labor force, the retirement of the elderly, the smooth employment of the newly growing labor force and the rationalization of the employment structure.
2) Conducive to social security and stability.
Endowment insurance provides basic living security for the elderly and makes them feel safe. With the arrival of the aging population, the proportion of the elderly population is increasing and the number is increasing. Old-age insurance guarantees the basic life of elderly workers, which is equivalent to ensuring the basic life of a considerable number of people in society. For on-the-job employees, participating in endowment insurance means that they have expectations for their future old-age life and are free from worries. In terms of social mentality, more people are stable and less impetuous, which is conducive to social stability.
3) It is conducive to promoting economic development.
The pension insurance system designed by many countries links fairness with efficiency, especially the partial accumulation and complete accumulation pension fund raising model. The amount of pension received by workers after retirement is directly related to their wage income and payment during their on-the-job work, which can undoubtedly stimulate workers to work actively during their on-the-job work and improve efficiency.
In addition, because the pension insurance involves a wide range and a large number of participants, a large amount of pension insurance can be raised in the operation, which can provide a huge source of funds for the capital market, especially the fund-based pension insurance model.
The accumulation of funds in personal accounts has been calculated for decades, which makes the pension fund larger and provides more funds for the market. The operation and utilization of large-scale funds is conducive to the macro-control of the national economy by the state.
In China, before 1990s, employees in enterprises implemented a single pension insurance system. 199 1 "the State Council's decision on the reform of the old-age insurance system for enterprise employees" clearly stated: "With the development of economy, a system combining basic old-age insurance with enterprise supplementary old-age insurance and employee personal savings old-age insurance will be gradually established".
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