Study On Influence Of Adjust Population Employment Life On The Pension Balance

Population employment life is closely related to the life expectancy of the population,the labor intensity, and years of education. However, as the life expectancy is rising, theyears of education is increasing and labor intensity is declining, China’s current populationadjustment scheme of the retirement age has lagged behind. In the background of agingpopulation, pension gap increasing, and huge challenge of pension balance, extendingemployment population age has become an inevitable trend.Currently, the adjustment ofemployment age population trend is to extend the statutory retirement age, the elasticextension of the retirement age, etc. Each design due to the adjustment of years, thefrequency, and the different targets, will produce different effects to pension fund balance.This paper based on the increasing aging population of our society, combined withpopulation life expectancy, labor intensity, and years of education, carries out the researchform the following several aspects:(1) combined with China’s population structure,population life expectancy, and years of education, study the impact and significance of theadjustment of years of employment; define the related concepts; as well as analyses theexisting research perspective;(2) domestic comparative analysis of the adjustment of yearsof employment;(3) based on the prediction of insured population structure in31provinces,this study cluster analysis on them;(4) on the basis of reasonable clustering, sensitivityanalysis is used on the typical city, and the empirical research methods are employed tofind the relationship between adjustment of the population lives and the balance of pension;(5) the division of regional economic and conduct sensitivity analysis;(6) Propose thesuggestions to meet the adjustment of population employment life and the answers to thefinancial puzzle.This article uses strict calculation and massive data to support the argument that adjust population employment life would help to deal with the fund financial difficult existingold-age insurance system and brought by the crisis of aging of population．In this paper,cluster analysis and regional economic divide are used. Based on the insured populationprojections, the pension gap model is created and the relationship is studied. On the basisof reasonable rules, the paper proposes the follow suggestions: regionalization adjustmentthe retirement age, adjust the retirement age of women and multimode adjust the retirementage, etc.