本文在养老金缴费年限、工资增长率和记账利率固定的假设下,运用寿险精算理论,对城镇职工退休前后的相对收入进行精算分析,以判断改革前后缴费工资水平和缴费年限对养老金水平的影响。分析结果表明:由于改革增强了养老金水平与个人缴费工资水平及缴费年限的联系,加大了缴费工资水平较低人群的生活压力,扩大了不同退休年龄人群养老金水平的差距,男女职工养老金的性别差异进一步扩大。提高低收入人群和女性职工的退休生活水平是亟须解决的问题。

Under the assumption of pension contributing years, social wage growth rate and bookkeeping interest rate fixed, this paper makes actuarial analysis on the relative income of urban employees based on the actuarial theory and makes a comparative research on the influence of payment wage and contributing years before and after the reform. The results show that the reform increased the life stress on the employees in lower level of payment wage, enlarged the gap of pension level of employees in different retirement age and in different gender because the reform reinforced the connection not only between pension and individual payment wage but also between pension and contributing years. Improving the retirement living level of employees in low income and female is an urgent problem to be solved.

新型农村社会养老保险制度是改善农村老人生活条件,改变城乡二元化结构和实现农村居民老有所养的重大惠农政策。从2009年试点以来,我国新农保保障范围不断扩大。基于对湖南省茶陵县实施新农保试点的调查,发现新农保制度在贫困地区试点中存在着缴费档次低、集体补助缺失、年轻人参保率低和出现退保现象等问题。提出加大对贫困地区新农保的资金支持和宣传力度,制定适合农村居民特点的缴费制度,以提高农村居民参加新农保的积极性。

New rural social endowment insurance system is a significant favorable policy to improve the rural elderly living con -ditions, change the dual structure and realization of rural residents urban and rural duality .Since the pilot from 2009,the new agricultural insurance coverage is continuously extended in China .Based on the survey of ChaLing of Hunan Province , analysis of the new agricultural insurance system in the poor areas pilot , the lack of pay cost , low grade, collective allowance , low rates of young people and even the appearance of surrender .Come up with new farming maintain more in poor areas of financial sup-port and propaganda , make payment system suited to the characteristics of the rural residents , to improve rural residents to par-ticipate in the enthusiasm of new farming maintain .

近年来android市场的火热催生了android的智能电视产业。伴随着智能电视越来越普及，普通家庭用户通过足不出户的通过智能电视完成家庭一般的电费、水费、燃气费等基本缴费交易，将会方便大家的生活。安全问题将是这一支付业务普及的重要影响因素。通过对SSL协议的分析与讨论，总结和改进SSL的协议应用于智能电视支付中，并提出利用USBKey移动设备的身份认证支付模式应用于智能电视支付，提高了支付的安全性。

Recently the android market gives rise to the smart TV industry of android. As smart TV be-comes more and more popular, common-family users could indoors finish the general payment transactions by smart TV, such as electricity fee, water fee, gas fee, and this would bring much convenience to the people''s lives. Security issue is an important factor affecting the popularization of the payment business. Based on analysis and discussion of SSL protocol, the application of SSL protocol in the smart TV payment is summarized and improved, and the application of mobile device with USB key authentication payment mode in the smart TV is proposed, thus to improve the security of the payment system.

在当前的时代背景下,木马病毒种类越来越多,同时功能也越来越多,危害也越来越大。在这个IT行业里人们生活越来越近的时代,人们发现计算机互联网也不再神秘。人们依靠互联网购物,缴费,旅游,租房,交友,娱乐等等,可以说是人们的生活已经变得离不开互联网了。但是在这个互联网急速发展的信息时代,原来只是广大计算机病毒种类中的小角色似乎也依靠自身先天性的特点,也跟随着这个互联网发展的浪潮急速成长为互联网生活中危害最大最广的威胁。传统的木马检测方法已经很难适应目前木马病毒的更新速度和数量的增速。改进传统的木马检测手段成为目前最迫切的需求。本论文就是根据这个背景,通过对传统检测手段的分析和学习,并借鉴目前比较先进的云计算解决方案设计实现了一个新的木马检测系统平台。

In the context of the current era,more and more types of Trojan virus,also more and more features,more and more danger.In the IT industry in the people''s life more and more recent times,they find that the computer Internet is no longer mysterious.People rely on Internet shopping,payment,tourism, housing,friends,entertainment and so on, can be said to be the life of people has become cannot do without the Internet.But the rapid development in the era of Internet information,originally only a small part of the computer virus species seems to depend on its own characteristics of congenital,along with the rapid growth of Internet development tide to harm the largest and most widely threats to Internet life. The traditional method of Trojan horse detection has been difficult to adapt to the current update speed and number of Trojan virus growth.Improved the traditional means of Trojan horse detection has become the most urgent demand.This paper is based on this background,through

养老保险是国家为保障退休人员基本生活而建立的一种社会保险制度，居于社会保障的核心地位，但由于“老人”和“中人”累计债务的存在以及近年来老年人口的迅速增加等原因，现行养老保险制度的收支矛盾凸显。本文主要利用时间序列、寿险精算等方法测算2014-2020年北京市城镇养老金的收支状况，以期为政府养老金政策的制定和调整提供依据。测算结果显示，虽然在2020年以前养老金的年度收入一直大于年度支出，但是由于养老金收入和支出的不均衡增长，在2030年左右可能出现收不抵支的情况，需要动用累计结余基金弥补支出缺口。随着老龄人口的持续快速增加，长期来看则有发生养老金支付危机的可能。为防止支付危机的发生，政府可以对退休年龄、迁移率、缴费率、替代率等因素进行调整，但解决养老金支付危机的最根本方法还是采取有效措施彻底解决目前“老人”和“中人”的累计债务问题。

The endowment insurance is a social insurance system for ensuring basic life of retiree,which takes the core status in the social insurance . However;there exist contradictions of incomings and outgoings in current insurance system. And they are sharpening due to the population ageing and the appearance of the accumulated debt of“old aged”and“middle - aged”. In order to provide a basis for the formulation and adjustment of the government policy,the Beijing urban pension payment statuses in 2014 - 2020 is measure and calculate by time series analysis and life contingencies in this paper. The numerical results have shown that the incomings will not be able to cover the charge starting around 2030 and the surplus funds must be expensed due to the unbalanced growth of revenue and expenditure although the annual revenue has been greater than the annual expenditure until 2020. So the possibility of the pension payment crisis should not be ignored. In order to prevent the crisis