Urban Residents Mutual Pension Model

With the development of Chinese economic, the convert of national altitude as well as the impact of one-child policy, China, the most population in the world, has stepped into the aging society, confronted with the dilemma that citizens getting old before they got rich. Consequently, pension problem brought by aging society should be settled in time intent to maintain social stability and promote the further development of Chinese development. Via the data gathered from sixth nationwide census, Xi’an, the capital city of Shaanxi Province, has stepped into the aging society since year 2000, a time far more exceeds the average standard of the whole nation, while embracing rapid growth decent years, resulting to the expansion of requirements of social pension.By means of combination of documentation method, questionnaire method, and comparative analysis, after acquiring the data from analysis of mutual pension at home and abroad, the passage mainly focus on the practicability of mutual pension in Xi’an City, from the aspect of present situation of the elder in community, the knowledge of internet and the recognition degree among the elder. Finally, through the empirical research, not only did author provide rectify suggestion, but provide a new concept of mutual pension which is based on internet as well as mutual pension, paving a road to the exploration of Chinese mutual pension.From author’s perspective, as an innovative pension model, mutual pension pattern could release aging problems and the contradiction of old-age support between government and family. Particularly, with the perspective of newly net-work thinking, the pattern may enable the elder who needs age supporting, to experience the merit of mutual pension pattern. Meanwhile, with the advantages of low-cost, high efficiency, high Participation degree and wide coverage, it becomes the patter processing virtuous cycle.