Research On Pension Insurance Fund Operation Risk Under The Background Of Aging Population

The aging of the old population put forward a serious challenge on the economicand social development. If it improper handling can easily lead to the crisis of socialsecurity operational risk. Therefore, we must actively respond to the developing agingpopulation challenges rapidly, especially the peak of aging population between2030-2050. To effectively respond to the rapid development of the challenges of anaging population, and how to guard against the extremely important question is thebackdrop of population aging rapidly developing China’s pension fund operationalrisk research, establish an effective pension fund operation Risk long-termmechanism.Therefore, it is significant and imminent to strengthen China’s pension fundoperational risk research in the context of rapidly aging population development.First, we must closely follow the development trend of aging population andprevent environmental risks-small step progressive to increase the statutoryretirement age to reduce the labor burden.Second, we must strengthen the regulation and self-regulation, reduce theoperational risk-funding risk, management risk, investment risk, payment risk, riskof adverse selection, moral hazard;Third, we must take the long view to establish the long-term mechanism to guardagainst operational risks of China’s pension-Development of the Basic Law of thesocial security; provisions of the legal principles of the social pension insuranceoperations; the provisions of the law of the social pension insurance fund; theimprovement of the social old-age insurance fund operator regulations Ordinance;tocontrol social endowment insurance fund insufficient supply of legal operators.This study’s research methods is correlation method, Besides the greater use ofmathematical methods such as the statistical methods to study the correlation betweenthe social security crisis early warning indicator system; through qualitative andquantitative method to combining the analysis, evaluation and early warning of thesocial security crisis.We can prevent the social security crisis that may occur.