The Research To The Family Retirement Of Dual One-child Of "Generation After 80s" Under Assets Construction Perspective

Since the implementation of one child policy in China, the one-child family has become the main urban family structure. Our country has appeared the future trend of population aging and low birth rate. The one-child of "generation after 80s" are facing marriage, thus the retirement problem of their parents has become the focus of the society. The family retirement problem of dual one-child of "generation after 80s" is most prominent in urban areas. How to solve the retirement problem in this group is of universal significance for one-child family, and it is the major issues to be resolved in our country’s problem of one-child provision for aged parents.As the solution to the family retirement problem of dual one-child of "generation after 80s” will perfect our country’s old-age security system, promote the development of social economy in our country, and plays an important role in social stability and harmony, at present, all sectors of the society has had some discussion and research on this problem. In this paper, with the aid of Professor Xie Ruodeng’s Assets Construction Concept, based on dual one-child family of " generation after 80s” in urban areas, it first analyzes the theoretical significance and practical significance of topic choice, reveals the importance of this subject. Through consulting a large number of literatures, on the basis of previous studies, in the viewpoint of assets construction, this paper summarizes the relevant concepts and theories designed in the difficult situation for dual one-child family of "generation after 80s” in urban areas. Then, it analyzes the background and present situation of dual one-child family of " generation after 80s”, and discusses the particularity of aging parents’ difficulties and the urgency to solve the problem. By using the investigation and study, through the questionnaire design, distribution and collection, and the statistics of the survey, it has mastered the present situation of parents’ retirement problem in dual one-child family of "generation after 80s” in urban areas. Starting from the practical situation, the paper analyzes the reason of resource lack for parents’ retirement problem in dual one-child family of " generation after 80s” in urban areas, and points out the vital problems to be solved of parents’ retirement assets construction in dual one-child family of "generation after 80s” in urban areas, namely activate capital resource, thus put forward that the construction of assets is the significant measure to guarantee parents’ retirement in dual one-child family of " generation after 80s” in urban areas. On this basis, it further expounds the rationality and feasibility of constructing household assets in dual one-child family of "generation after 80s” in urban areas. In the final part, it analyzes the real difficulties of assets construction in the retirement pension construction of dual one-child family of " generation after 80s” in urban areas. And according to this series of difficulties, it puts forward suggestions and countermeasures, including breaking the bondage of traditional concept; implementing personal development account; and giving full play to the government’s macroeconomic regulation and control function. Developing related industries could help the old have more assets; give full play to the positive role of commercial insurance; revitalize social idle assets and bring benefits to the elderly.