个税递延型养老保险的营销策略研究

发布时间：2018-04-30 17:43

本文选题：人口老龄化 + 养老　；参考：《华东理工大学》2014年硕士论文

【摘要】：21世纪的今天,人口老龄化已经是全球化的现象了。根据联合国数据,从现在到2050年,老龄人口将从6亿增加到近20亿,60岁以上的人口将超过15岁以下的青少年人数。其中发展中国家的老龄人口预计将是现在的四倍。这一特殊变化将对全世界各国的养老保障制度提出严峻的挑战。人口老龄化是不可阻挡的世界性潮流。人口老龄化问题已经成为发达和发展中国家共同面对的挑战。而中国人口老龄化将伴随21世纪始终。早在2000年,我国就提前进入老龄化社会,目前是世界老年人口最多的国家,占全球老年人口总量的五分之一。根据我国第六次人口普查公布的数据,2010年我国60岁及以上人口占13126%,比2000年人口普查上升2193个百分点,其中65岁及以上人口占8187%,比2000年人口普查上升1191个百分点,目前我国处在老龄化社会发展阶段。这一特殊变化将对全世界各国的养老保障制度提出严峻的挑战。我国的人口老龄化将同世界各国一样出现未富先老、未备先老、孤独终老这三个显著的特征。养老将成为国家的重点工作之一。现在社会养老一般有三部分组成,最基本的社会养老保障制度,第二部分企业年金,第三部分个人养老保险。对于我们庞大的需要养老的队伍,光靠国家将变得力不从心,因此我们必须要转变观念,从现在起就得为将来作打算。在这样一种趋势的推动下,在国家给予相应的税收优惠和鼓励下,个税递延型养老保险将与世人见面。它将帮助我们将来老有所养,老有所乐,也在一定程度上缓解了国家的养老负担,为社会安定团结健康发展作出应有的贡献。
[Abstract]:Today in the 21 st century, the aging of the population has become a global phenomenon. According to the United Nations, between now and 2050, the number of elderly people will increase from 600 million to nearly 2 billion people over the age of 60 years and more than the number of young people under 15 years of age. The number of elderly people in developing countries is expected to quadruple that of today. This special change will pose a severe challenge to the old-age security system all over the world. The aging of the population is an irresistible worldwide trend. The problem of population aging has become a common challenge for both developed and developing countries. China's aging population will be accompanied by the 21 st century. As early as 2000, China entered the aging society ahead of schedule. At present, China has the largest number of elderly people in the world, accounting for 1/5 of the world's total elderly population. According to the data released by the sixth Census of China, the population aged 60 and over accounted for 13,126 in 2010, an increase of 2,193 percentage points compared with the 2000 census, of which the population aged 65 and above accounted for 818.7 percent, an increase of 1191 percentage points over the 2000 census. At present, China is in the aging stage of social development. This special change will pose a severe challenge to the old-age security system all over the world. The aging population of our country will be the same as that of other countries in the world, such as the old before the rich, the old before the preparation, the old alone. Pension will become one of the key tasks of the country. Now there are three parts of social pension, the most basic social old-age security system, the second part of enterprise annuity, the third part of individual pension insurance. For our vast contingent of people in need of support, the state alone will be unable to do so, so we must change our minds and plan for the future from now on. Under the impetus of such a trend, the country gives the corresponding tax preference and encouragement, the personal tax deferred old-age insurance will meet with the world. It will help us in the future to support the elderly, the elderly have fun, but also to a certain extent to ease the burden of the country, for the social stability, unity and healthy development to make due contributions.
【学位授予单位】：华东理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.3;F274

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