5外文文献翻译

5外文文献翻译
5外文文献翻译

外文资料原文及译文

中文题目:在快速的人口老龄化背景下对社会养老保险面临的风险分析

英文题目:The Analysis of the Risks Faced by China’s Social Endowment Insurance under the Background of Rapid Aging Population 学院: 社会与公共管理学院

专业年级: 2012级劳动与社会保障

学生姓名: 司雪力学号: 2012282103

指导教师: 唐礼武职称: 讲师

日期: 2016 年 3 月 1 日

在快速的人口老龄化背景下对社会养老保险面临的风险分析重庆工商大学劳动与社会保障专业 2012级一班司雪力

指导老师:唐礼武

摘要:随着人口老龄化加剧,社会养老保险在我国的压力增长速度超过以往任何时候都更加迅速。同时,也有一些实际问题和缺点在中国目前的社会养老保险制度。而这一切都将提高的风险固有的金融,基金投资和运作的养老保险制度的领域。在同时,它会导致制度和政策领域的新风险。因此,只有通过加强风险管理和积极响应社会养老保险的风险,可以政府不断完善社会养老保险制度。

关键词:人口老龄化,社会养老保险,风险,对策

引言

根据国际社会的定义,在一个国家或地区,如果人口年龄超过60岁以上的人口占总人口的10%以上,或超过65岁的人口占全国人口的7%以上,占全国人口总数的以上地区可以被视为一个老龄化社会。老年人口比例越大,程度越高人口老龄化。随着科学技术的发展和医疗卫生技术的不断进步,以及

人们越来越重视身体健康,全球人口老龄化正在迅速增长人口正在增长。因此,它给社会经济发展带来了各种各样的影响。许多各国都面临着人口老龄化的挑战。在世界范围内,它已成为一个全球和战略社会问题。我国已进入老龄化社会,早在2000年人口老龄化背景我国养老保险制度面临的严峻挑战,如何分析养老保险的风险我国保险业,并提出有效措施,以降低风险是值得研究的。本文在分析我国人口老龄化和养老保险现状的基础上,分析了我国人口老龄化和养老保险的现状,论文分析了养老保险国家的风险,提出了相应的对策和措施为我国养老保险制度的发展提供了建议。

以下内容分为五个部分。第一部分是对现状与特点的分析我国人口老龄化的研究。第二部分是中国养老保险发展现状及存在的问题。第三部分为我国人口老龄化背景养老保险的风险分析的研究。第四部分是对策建议,以减少养老保险风险。最后一部分是结论。

我国人口老龄化的现状与特点

中国人口老龄化进程始于上世纪80年代,加速后。根据第五次人口普查国家统计局公布的数据,如到2000年11月1日我国60岁以上的老年人已经达到1亿2400万,占10.45%总人口数,65岁以上人口占8825万,占7.1%。这表明,我国已进入老龄化社会

并根据第六次全国人口普查结果显示,11月1日,2010岁以上的老年人口60已达1亿7700万,占中国总人口的13.26%,其中,人口数

65岁以上老人约占1亿1900万,占8.87%。正如你所看到的,我们的国家是唯一的国家在当今世界上,老年人的数量接近2亿。根据这一趋势,2025,中国人口老龄化将达到2亿8400万,占人口总数的19.34%这将峰值近4亿3000万人的2050左右,占比超过四分之一的,同时,由于国情、人口环境和传统文化的特殊性我国人口老龄化呈现出以下鲜明的特点:第一,速度人口老龄化比经济增长快。基本上,发达国家步入老龄化社会实现社会现代化。但我国已提前进入老龄化社会经济不发达,没有实现现代化的情况下。当发达国家进入老龄化社会,人均国内生产总值(GDP)一般在5000元至10000元左右,但是,当我国进入老龄社会,人均国内生产总值(GDP)刚刚超过1000美元。正如你所看到的,我国仍然属于中等收入者之一。它显得相对较弱处理人口老龄化问题。其次,随着人口老龄化速度的加快,这说明2000、我国60岁以上老年人的数量在1亿2400万岁以上,并在2010,这个数字已经达到了1亿7700万。60岁以上的老年人口增长了5000以上仅仅十年。据统计,近年来,我国人口老龄化的速度还远比欧洲和美国和其他国家快,甚至比日本的快。老年人口(65人,老年人,下同)从4.91%增加到6.96%,这已经花费了18年。在日本,这一比例从4.79%上升到7.06%,在日本已经花费了20年时间。它增加了从5.2%到8.4%在瑞典,已经花了40年时间。老年人口比例的增加给社会经济压力带来了日益增长的压力[ 3 ]。第三,它是区域发展不平衡。数据显示,东部地区被定义为劳动力进入地区,中青年人群占较大比例。虽然面临人口老龄化为养老事业的发展和经济发展提供了良好的支持强度。作为中西部地区的劳动人口外流区,老年人口存款,特别是在广大农村地区,它形成了大量的空巢老人群体。

养老保险发展概况及存在的问题

在中国

3.1。发展概述

我国原有的养老保险制度是建立在1951,是典型的国家保护模式。过了城乡分割的计划经济体制下,养老保险制度是一个“企业担保”模式,以保护国有企业和国有企业职工的“病与死”。和农民依靠家庭自我保护。随着中国经济的不断发展和社会,养老保险模式已经很难适应新时代。因此,该我国政府提出要逐步建立适应形势的健全的社会

保障体系,并明确社会保险在经济社会发展中的发展方向中华人民共和国五年度第七计划“,1986。从如此,养老保险由担保单位开始由担保单位向社会保障。中国现行的养老保险制度是在20世纪90年代初成立的,国务院下发了1991个决定关于企业职工养老保险制度改革的研究在社会统筹规划的基础上。1995日,国务院发布了《关于深化的通知》企业职工养老保险制度改革的建议保险是一个系统,它结合了社会的总体规划和个人账户,并澄清养老保险的权利与义务。1997,国务院下发了<<关于建立决定的一个统一的企业职工基本养老保险制度的进一步规范和支付养老保险基金[ 4 ]。同时,为了适应市场变化,及时跟进对权益保护的要公开,中国政府颁布了<<企业年金试行办法>>和<<试行办法>>企业年金基金管理“2004要进一步规范的建立、管理、投资企业年金的运作。2010,介绍了《中华人民共和国社会保险法》,为社会保障的发展奠定了更为坚实的法律基础。随着我国养老保险制度的完善和保险购买数量的增加,养老保险基金不断丰富。据统计,2013年底,参加基本养老保险的城镇职工人数达到3亿2218万,达到基金收入2兆2680亿元。同时,全国社保基金累计已超过1兆2000亿元2013。一句话,中国养老保险业在这一过程中取得了巨大的成就不断改革和完善。

3.2。存在的问题

我国虽然已经建立了全信用积累的养老保险制度整体式。在社会和谐稳定的发展中起到了重要的作用和民生福利。但是不可否认的是,因为我们国家社会保障的时间系统的设置较短,在一定的系统设计水平和实际水平上仍存在一些问题需要不断改进。有2个主要问题。首先,它是养老保险基金的贬值。养老保险我国的基金主要包括以下四个部分:一是城镇信用组合职工基本养老保险基金,其次是城乡居民基本养老保险基金,第三,是养老保险作为企业年金和职业年金的补充,第四是国家社会保障基金作为战略储备。目前,这四个部分的养老保险基金积累了数亿元。面对如此大规模的资金存量,这是一个大问题如何进行有效的投资运作。并按照增长趋势估计现在,在未来30年里,中国养老保险基金规模将达到一个巨大的规模,成百上千的亿元。面对这种趋势,如果缺乏有效的投资运作,每年的折旧率基金的损失将非常惊人。其次,它是如何有效地和公平地偿还“历史债务”的国有老职工的养老金企业。自从上世纪90年代的改革,因为在支付方式上的变化,数以千万计在国有企业中,老年职工把原有的养老保险制度变成了新的养老保险一个信用组合,积累到“历史债务”的养老金。这是政府的问题必须面对。这是完善我国养老保险制度的一步政府要如何解决这一高效、公平的“历史债”,寻找可行的理性解决方案。否则,如果历史遗留下来的问题继续“发酵”,它可能会成为巨大的阻碍我国养老保险制度健康发展的风险。

老龄化背景下养老保险风险分析

面对人口老龄化的严峻问题,我国现行养老保险制度面临的问题各种风险的挑战。现行的“统筹规划和个人账户体系”的养老保险制度不完善,还有很多风险来源,在资金来源、管理体制、监管等方面投资。随着人口的加速老化,这些问题可能会出现,新的风险也会出现。总体而言,养老保险的风险主要表现为:

4.1。经济风险

4.1.1。人口老龄化对我国经济发展的负面影响

纵观世界社会保障的历史,建立、发展和完善社会保障制度需要一定程度的经济发展作为基础。作为社会保障的一部分,当然,养老保险不是一个例外,它的建立、发展和完善都是基于在一定的经济基础上。当社会和经济动荡导致劳动力供给不足或不充分资本的积累,以及人口老龄化带来的社会养老的成本不断上升,挤压经济的发展,刚性需求的特征决定了养老保险的改革系统将面临相应的风险。因此,人口老龄化将影响宏观经济,包括劳动力供给减少,资本积累不足,中国经济发展速度放缓,国内消费需求和其他负面后果的缺乏。

4.1.2。人口老龄化对我国当前的筹资模式提出了严峻的挑战

我们都知道,国家或地区的人口年龄结构的变化将影响当地的劳动力供给状况。中国目前正在实施一项总体规划和个人账户体系类型养老金。该基金主要来自个人和企业。中国目前正处于“拐点”时期人口红利的供给,总体上仍然很丰富,这也使得相对稳定的人口支付养老金。退休金是用来帮助退休的工人,并帮助基金达到一定程度的收支平衡。然而,由于出生控制的连续实施政策,以及人口老龄化,中国的劳动力供给最终会减少。这也意味着萎缩的群体养老保险缴费、基金收入继续下降,而老年人口继续增加;意味着养老支出将继续增加。因此,它可能导致养老金支付赤字。所以,面对日益老龄化的人口问题,我国现行的养老保险筹资模式将面临严峻的挑战。

4.1.3。人口老龄化对养老保险的支持率增加

支持率指的是老年人口比例,老年人口占比例工作年龄人口,它可以通过多少老年人需要的是支持每100个劳动年龄测定人口。中国的人口老龄化意味着老年人口在增长,同时也伴随着出生人口的增长控制政策,工作年龄人口将继续减少,这意味着中国的压

力工作年龄人口对老年人的支持也将越来越大。数据显示,根据的话,我国已经进入了老龄化社会2000,那么支持的比例是9.9%,但现在这个数字已经改变了很多。2012,支持率为20.66%,到2013年底,这一比例上升到21.58%。可以看出,支持率逐年增加,工作年龄的负担人口赡养老人。

4.1.4。养老保险基金投资运作风险

全国社保基金理事会成立于2000。它负责投资业务社会保障基金,并保证基金的价值可以保留或增加。根据为了统计,全国社保基金累计已超过1兆2000亿元2013。在同年,中国的基本养老保险基金收入是2兆4733亿元,其中,总收入城镇职工基本养老保险基金2兆2680亿元,基本养老保险基金收入城乡居民205亿3000万元,而基本养老保险基金支出是1兆9819亿元,基本养老保险基金在今年年底累计累计3兆1275亿元。而且,我国的养老保险个人账户积累了不少基金。人口老龄化无疑将对工作的保护和增加带来严重的挑战我们的养老基金。从现有的投资,养老基金的投资范围仅限于银行存款,债券和其他金融工具交易具有良好的流动性,并在每一个投资的比例项目严格控制。在老龄化问题未到来之前,把养老基金放在银行或投资上非风险和低风险的产品是确保其安全的最佳选择。但是随着年龄的到来,如何投资在各种组合产品中,对社会保障基金的重要,特别是在增加价值养老基金又能更好地保障自身安全。只有唤醒“沉睡”

5。对解决养老保险风险的建议

5.1。建立长效机制防范养老风险

保险制度在养老保险制度的建立和改革过程中,西方发达国家通常都在立法上一、再根据法律开始养老金改革。这是值得学习的先进经验。因此,完善与社会养老保险制度安排密切相关的法律制度是一个长期的基本对策,以防止风险的退休金。近几年来,中国

先后出台了相关法律规定的基本养老保险关系的暂行办法城镇企业职工转变,“社会保险法”,奠定了发展的总体框架养老保险。优先处理的是增加人口老龄化,引入更具体的,可行性法律法规,加强养老保险制度运作的法律支持。

5.2。拓宽筹资渠道,建立多层次的养老保险

养老保险制度首先,作为社会养老保险的一部分,养老保险是社会化的特征,因此它该涵盖所有的职工尽可能在其实施的过程中,从而拓宽了养老资金来源的增加养老金收入。二、完善我国三大支柱养老保险制度。国家基本养老金是第一支柱,其地位和作用应进一步加强和巩固。企业补充养老保险二是支柱,其目前的发展并不理想,需要国家政策的支持。个人储蓄养老是第三大支柱,这是个人层面上的补充养老计划。个人储蓄

养老只是一个小的发展,需要政府的重视和引导。最后,尝试进行商业养老保险。随着我国人口老龄化程度的不断加深,养老问题引起越来越多的关注。因为社会养老保险只提供基本的保障,所以它是东部地区可提供商业养老保险,鼓励有条件的老年人购买。最后,在社会保障体系中实现企业年金保险的积极作用。

5.3。加强监管,维护和增加养老的价值

保险资金养老基金投资的基本原则是安全。因此,政府不仅需要发展适当的政策和法规的运作,养老基金,以指导基金的投资运作管理,也明确了投资公司的责任心,防止和化解操作风险,确保投资项目的风险最小。此外,它是必要的一些短期融资基金到养老基金。例如,让养老基金进入同业间市场与债券市场参与回购交易。这不仅可以增强流动性基金的同时,也有助于更积极地管理资产。总之,只有保证了安全,才能实现养老基金价值的增加具有现实意义。

5.4。放宽生育政策,延长退休年龄

我国人口老龄化程度不断加深,老年人口继续增加这就导致了工作年龄人口的减少。在这种情况下,放宽独生子女政策,让一些符合条件的家庭,一个二孩,人口不断增加,从而保证了后续的劳动力供给力。同时,我国还沿用了最后一个建立的养老制度世纪,男职工60岁退休,女职工50岁退休,退休年龄女干部55。随着社会的发展,医学技术的进步,平均寿命已显著延长。因此,旧的退休制度已经很难适应中国的现状经济和人口结构。在全世界,法定退休年龄都是发达国家国家,甚至许多发展中国家都比中国高。延长退休年龄可以增加养老金收入和养老金支出的减少,为养老基金留有足够的时间应对支付风险。

结论

本文在分析我国人口老龄化和养老保险现状的基础上,分析了我国人口老龄化和养老保险的现状论文分析了人口老龄化背景下我国养老保险的风险。在一个一方面,目前“统

筹规划和个人账户体系”的养老保险制度还不完善,而且人口老龄化的加速,我国养老保险基金将面临融资和投资风险,这可能会导致负面影响的去

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[6]乐,x.m.和吴,李丽(2008)通货膨胀风险影响估计养老保险个人账户。统计与决策,11,66-68。

中英文文献翻译

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机械类外文文献

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机械外文文献翻译

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Research Article Mechanical Properties of Fiber Reinforced Lightweight Concrete Containing Surfactant Y oo-Jae Kim, Jiong Hu, Soon-Jae Lee, and Byung-Hee Y ou Department of Engineering Technology, Texas State University, San Marcos, TX 78666, USA Correspondence should be addressed to Y oo-Jae Kim, yk10@https://www.360docs.net/doc/795615359.html, Received 21 June 2010; Accepted 24 November 2010 Academic Editor: Tarun Kant Copyright ? 2010 Y oo-Jae Kim et al. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited. Fiber reinforced aerated lightweight concrete (FALC) was developed to reduce concrete’s density and to improve its fire resistance, thermal conductivity, and energy absorption. Compression tests were performed to determine basic properties of FALC. The primary independent variables were the types and volume fraction of fibers, and the amount of air in the concrete. Polypropylene and carbon fibers were investigated at 0, 1, 2, 3, and 4% volume ratios. The lightweight aggregate used was made of expanded clay. A self-compaction agent was used to reduce the water-cement ratio and keep good workability. A surfactant was also added to introduce air into the concrete. This study provides basic information regarding the mechanical properties of FALC and compares FALC with fiber reinforced lightweight concrete. The properties investigated include the unit weight, uniaxial compressive strength, modulus of elasticity, and toughness index. Based on the properties, a stress-strain prediction model was proposed. It was demonstrated that the proposed model accurately predicts the stress-strain behavior of FALC. 1. Introduction In the last three decades, prefabrication has been applied to small housing and tall building construction, and precast concrete panels have become one of the widely used materials in construction system. Recently, much attention has been directed toward the use of lightweight concrete for precast concrete to improve the performances, such as dead load reduction, fire resistance, and thermal conductivity, of the buildings. Additionally, the structure of a precast building should be able to resist impact loading cases, particularly earthquakes, since resisting earthquakes of these buildings under the performances is becoming an important consideration [1, 2].Many efforts have been applied toward developing high performance concrete for building structures with enhanced performance and safety. V arious types of precast concrete products, such as autoclaved aerated lightweight concrete (AALC), fiber reinforced concrete (FRC), and lightweight concrete, have been developed and experimentally verified. A number of them have been applied in full-scale build-ing structures. AALC is well known and widely accepted, but its small size and weak strength limit its use instructural elements [3]. Lightweight aggregate concretes offer strength, deadload reduction, and thermal conductivity,

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