Research On Blance Of Founds Based On The Background Of Aging Population

In21st century, population aging is becoming a socio-economic, demographicproblem that every country is facing or will face. At the end of the last century, as thedeveloped western countries entered the aging society one by one, the economicdevelopment and social security issues got a lot of attentions. From2000, China hasentered the aging society with fast development speed and the process of aging in thefuture will continue to be accelerated, which means that the burden of old-age security isincreasing heavily and pension payments will also be a crisis. Therefore, this paper willstudy the aging population on the background of the pension issue.Fast of all, in order to do quantitative studies of the impact of population aging onpension funds, this paper selected the peak time (2000-2050) of aging population as theresearch object. Then on the basis of the population of this51-year period which comesfrom a population prediction model which is combined with our economic situation, thispaper analyzes the characteristics and influence of the aging population.Then, through the establishment of pension insurance pool account, personalaccount model, we found that under the current retirement system, in order to ensure thepension balance from2000to2050, the equilibrium contribution rate is relatively high.In addition, combined with foreign reference for dealing the aging issues, this paperpresents a suggestion which suggests delay retirement age.Moreover, through the model it analyzes the impact of delayed retirement onbalancing the payment rate in our expected period. Through calculating differentretirement pension replacement rate and the contribution rate and comparing the results,we found that delay retirement effectively reduce the pension contribution rate on thebasis of the pension balance when alternative levels remained unchanged.Finally, on the basis of quantitative research, qualitative analysis and comprehensiveconsideration of various factors, it suggests that the retirement policies should beadjusted gradually. At the same time, combined with increased pension coverage,improved the development of pension and enhanced pension value and other measures to ensure the smooth implementation of the retirement age.