Endowment Insurance Effect Of Population Aging

Population aging is not only one of the great characteristics of the human development but also a great social economic question in the 21st century. China steps into the Aging Phase and the rate and scale of its development are unprecedented. Population aging would reach its peak in 2030's. Compared with the current economy of our country, population aging belongs to the type of "not rich but old ", which aggravates the problem of endowment insurance day by day. This paper regards the principles of economics, the principles of sociology and the principles of insurance as guidance and absorbs the results of the forefathers' research. In terms of population aging, the author makes comparatively exhaustive analysis on the problem of endowment insurance. The paper is divided into five parts: Section one includes foreword and chapter one. Under the background of population aging, foreword analyses the purpose and meaning, and introduces the research approach and the basic frame of this paper. In chapter one, the author explains some related concepts, analyzes the research standpoints of the problem at home and abroad, and points out the research direction. Section two is namely chapter two. This part adopts descriptive statistics method such as statistical graphs,statistical forms,explanatory note,etc, and the software of Excel2003 and Spss11.0 to analyze the development process and characteristic of population aging. Section three is namely chapter three. The paper makes use of the statistical analysis to predict the population scale of Fujian at first, Then, the paper analyzes the influence that the endowment insurance exerts on population aging and uses dust predicting to predict the outcome and income of endowment insurance. The purpose of the use of these methods is to make the discussion more persuasive. Section four is namely chapter four. The paper proposes some countermeasures in order to solve the current problems, such as establishing transitional pension account. Section five is conclusion.The paper has pointed out the limitation that this paper studies and the problem needed to study further. Above all, the purpose of the paper will be: (a) how to deepen the research on Old science; (b) exploring the effects of senility on the endowment insurance; (c) proposing scientific countermeasures to deal with the trend of senility so as to realize the society that everybody shares without consideration of age.