A Study On The Credit Crisis Of Japanese Public Pension System Under The Background Of Aging

With the continuous progress and development of the world economy and the level of scientific and technological, the global population ageing trends have emerged and growing,ageing becomes an issue which worldwide are concerned about. Japan is one of the countries whose problems of ageing are most serious,the public pension system is also facing serious challenges.In Japan,who has Serious problem of ageing population,there have been many public pension system problems,eventually lead to the credit crisis of public pensions.The Japanese government is also taking active measures, and obtains the corresponding results.In view of the accelerating pace of ageing in our country, in case of that there will be Pension credit crisis in the peak of an ageing population, We should draw inspiration from Japan’s public pension credit crisis,and constantly improve our pension system, to avoid the credit crisis of pension syste m.Basic point of this article is:First,by analyzing thespecific data of Japanese elderly population ageing and changesfrom1970to2050, we know that Japan entered the ageing society since1970, and has entered the super-ageing society in2007,and the growth rate of ageing is accelerating.This trend have had a serious impact for Japan’s economic growth rate and industrial structure.Ageing will be one of the most difficult problems that the Japanese government faces.Second, although Japan’s public pension system has achieved universal coverage, and also conducted a series of major reforms in later, but after2004,Japan’s public pension system is no longer Innovation,this is not match with the reality of accelerating ageing.Exacerbated the occurrence of Japan’s public pension system crisis of confidence under the ageing background.Third, the status of Japan’s public pension credit crisis is mainly reflected in Japan’s public pension is not satisfied,national distrust the pension system for public and so on. The root cause of these problems is the fiscaat the Japanese public pension finances to make ends meet,the unfair between benefit and burden, the trust problem in public pension regulatory institution and other aspects.Fourth, the Japanese government regards it as the public pension system reform’s primary task that how to rebuilt national confidence in the pension system. Positive adopt fiscal policies to cut expenditure of public pension,reform pension system, strengthen.and improve the management and operation of public pension, Establish ment and improvement secondary care insurance system and so on, in order to continue to strengthen efforts to citizens’ efforts to pay for public pensions,restore citizens’trust in the public pension system.Fifth, in China, where the speed of ageing is accelerating,there are also many problems:such as financial problems,non-payment or non payment,management system disorder and so on.We should learn the lessons of Japan,according to our country’s facts, increase the income in pension,improve the pension insurance laws and regulations,strengthen the management and supervision of pension funds,improve ROI of pension,Establish auxiliary pension system,raise the enrollment rate of pension,promote the construction of old-age insuran-ce and other aspects of information technology to improve China’s pension system.