Research On The Old - Age Insurance System Of Urban Employees In The Background Of Population Aging

Although the aging population is not a fresh topic, considering the impact of aging population on economic breadth and depth, Chinese and foreign scholars have been explored it always. Although aging population process started late in China, because of its high level of administrative intervention, aging process accelerates faster, and rattling. According to international common standards and results of all previous census data, it shows that in our country, our country’s population age structure has been changed in 2000, starting from 2000, the aging process in our country has already started formally since then our country has entered one of the aging countries. Accompanied by intensifying the development trend of population aging, the aging problem has been widespread in China’s political, social, economic and other fields.In this context, The town worker endowment insurance system in China bear the brunt. The most direct effects of population aging is to make the population age structure changes, which is the basis of the town enterprise worker endowment insurance system in our country. In the period of the population aging, the amount of the labor force has been declined, while the non-labor force has increased year by year. Considering these changes, it makes the government reconsidering our country’s insurance system, which is partially funding system in the name only and the pay as you go in fact. On the micro level, it also trigger such as the fund income and expenditure up-scaling, intergenerational pension burden aggravation, the extend retirement age, and a series of problems of the supply for the pension.Based on population aging challenge to our country town enterprise worker endowment insurance system as the breakthrough point, in the first part analyzes the current situation of the development of an ageing population and trends as well as to our country town enterprise worker endowment insurance system reform process for review and evaluation, found out the population aging and town enterprise worker endowment insurance system reform of history and the status quo, in order to further analysis flow; Then in the fourth chapter uses a large amount of data as support, by building the relevant econometric model, deeply discusses the changes of population structure in our country to the town enterprise worker endowment insurance system of macro microeconomic effect, including the system support than increase, the pension fund balance of payments imbalances, ahead of the actual retirement age, the problem such as annuities pay levels drop; Finally in combination with foreign successful experience on the basis of the endowment insurance system reform, our country town enterprise worker endowment insurance system reform for the future expl oration direction.