Research On The Problem And Countermeasure Of Urban Pension Income Shortage In The Background Of Population Aging

With the improvement of medical standards and the average life expectancy getting longer, the aging of the population is more and more serious. Coupled with the transformation of the economic system, the gap of the pension fund is growing. The world is also experiencing a "silver wave" and " empty cradle ", that is, more and more elderly population and the birth rate also continued to trend lower. Population aging makes people’s life can not be guaranteed. The trust to the pension getting lower, and the public are worried about whether they can get the pension fund prescribed by the government. The issue about pension gap issue has become a hot topic in the current society, various aspects of reform initiatives continue to be made, and all of these aspects of the measures are around to solve the problem of pension gap. How to increase pension income, reducing pension spending and balance the payments gap becomes an urgent problem.In this paper, it will starting from the aging of the population and the status of the pension fund, and then analyzes the impact of aging on pension funds, measured approach taken by empirical research.The issue chooses elderly dependency ratio as an indicator of population aging, because of the number of people has large impact on pension income, so the number of insurance was introduced in evidence this indicator, analyze the impact of the pension gap elderly dependency ratio, the results show the pension and old-age dependency ratio have a highly positive correlation. At last, to make up the pensions gap under the current situation, some solutions are came up with from the perspective of getting more income and minus expenses.This paper will addressed some key issues such as making a quantitative study of population aging on pension gap problem from both the income and expenditure. How to achieve effective basic pension insurance fund accumulation in response to our growing aging population is very crucial. On the basis of these problems the article will propose several directions of reform based on the current situation:firstly, complete the retirement policy; including the extension of the statutory retirement age and raising the minimum payment period. Secondly, reasonable arrangements for retirees, early retirees to give some punishment and encourage re-employment of older persons; Thirdly, increased financing fund channels, you can expand the coverage of old-age insurance reform "dual system" and increase the profits of state-owned enterprises, such as the amount turned over.