| In the late 20th century, economics developed rapidly, at the same time the fertility and mortality decreased and the growth of population slowed. Consequently, the phenomenon of the aging population structure occurred, and the phenomenon of "aging population" was named "Gray crisis". The aging problem of China has begun since the late 20th century, and the process was faster than most of other countries in Europe and America besides Japan.At the same time, the population will be aging rapidly. The question of how can we keep old age insurance system more useful in social security and the stable function of future social economy under the background of old aging is very important.With the methods of qualitative and quantitative analysis, this subject introduced the reason, actuality and characteristic of aging phenomenon of China systematically, furthermore it introduced the status in quo of the pension, analyzes the puzzledom of what old age insurance system of China will face in the future. Also it analyzes the factors which influence the population structure of our country in the future, and forecast the trend of population structure of our country in 50 future years based on the data of population statistic in the past. Base on the valuation data, the rate of urbanization and the Wages growth rate, it analyzed the variety of pension under the hypotheses of optimism (low fertility assumptions) and pessimism ( high fertility assumptions). At the end of this paper, to the question of how to settle the problem of what pension facing, this paper put forward some reform options. Firstly, rise the retirement age; secondly, reform the premium and required contribution rate (as % of wage bill); thirdly, increase collection rates; fourthly, adjust the pension payment standard; fifthly, strengthen investments of pension funds, and to make the accounts to yield a much higher level of return; sixthly, pension fund should be financed in much more modes. |
PDF Full Text Request