Calculation on Personal Account Payment Ratio of Pension Insurance of Urban Workers

摘要

In order to analyze the ratio of personal account payment, the paper made the maximizing personal utility and social welfare as the study perspectives, regarded the urban workers and state-owned enterprises as the research object. By applying the model of personal optimal payment ratio, we calculated the ratio, 10.9%, which was higher than the current level of 2.19 percent, carried out the feasibility analysis and sensitivity analysis. Furthermore, we concluded it is feasible to increase the personal payment ratio moderately to reach government needs and social development.