Constructing Pension Model Under The Trend Of Population Aging

With the coming of aging society,“providing for the elderly” has become the focus ofthe society. The problem of supporting old people often relates to the benefit of everyone.People are paying attention to the solving of retirement and other society problems which areraised by an aging population. But in Chaoyang, one-child policy and the extension ofaverage lifetime lead to some problems, for example, the situation of aging population is evenmore worse, the problem of supporting old people has become prominent, the older groupsare growing and the needs of serving for the aged people has expanded quickly. The aboveproblems will definitely need higher requirement of endowment pattern in our city.At the present stage, the endowment pattern exits a lot of problems. Because of theinfluence of aging people and one-child policy, the pattern and scale of traditional family havechanged a lot. Family security is becoming weaker, even though the institution for old-agecare is developing; it is still too far from social needs and doesn’t play its proper role toundertake the burden of social pension system. The endowment pattern of our city is still inthe exploration stage, the development of community pattern is immature, so it remains to befurther perfected. In a word, the current endowment pattern can’t be suitable for the growingof aging people more and more. It can’t meet the divers and multi-layered pension demands.Under the circumstances, the discussion of the suitable endowment pattern of our city hasgreater practical significance. Based on this, the article regards the endowment pattern as aresearch object and proceeds a tentative discussion for the establishment of diversified urbanpension mode.Based on the demarcation of endowment pattern and related concepts, the articleanalyzed the current situation and development tendency of the aging people and endowmentpattern in Chaoyang and figured out the influence of aging people for the endowment pattern.It has summarized the macro-background of endowment pattern on the whole situation. This article adopts the method of classified study and introduces the main endowmentpatterns in Chaoyang now, family supporting, institution supporting and communitysupporting. It analyzed the main problems of all kinds endowment patterns. Throughanalyzing, you can find the realistic basic of researching the establishment of diversified andmixed endowment pattern in Chaoyang.We have a brief introduction of the practice of developed foreign countries endowmentwhich is under the background of aging. This article chooses Japan and America, therepresentations of the east and west countries and introduces the community elderly serviceand care insurance system in Japan and the old man service agencies and retirementcommunity in America.According to the above analysis, we can have a conclusion that the establishment ofdiversified endowment pattern is not only the main way to meet the needs of supporting oldpeople, but also the inevitable requirement for aging people. Through the analysis offeasibility and basic principle of Chaoyang’s diversified and mixed endowment pattern, wereference the successful experiences of foreign cities and try to propose a general idea forestablishing this kind of endowment pattern: establishing a diversified and mixed endowmentpattern of government-led, family support-based, community serves-cored and situationsupport-aided. We can also provide a definite project and policy advises of establishing thediversified and mixed endowment pattern in our city.