Life Cycle、Pension Payment And Urban Workers To Postpone Retirement Research

Since reform and opening up in China, there are taken place great changes in the social economy andthe population structure condition, and the rate of old population increase has growth deeply.In order toease the pressure on the government pension, many countries n the world have established adjustmentscheme of the retirement age, and have achieved some success. Whether we take example by theexperience of developed countries, timely to delay our country’s legal and emeritus age, have caused theextensive attention and heated discussion among all levels of society and government.Combining socialmedia hot spots and actual situation in China, a comprehensive analysis of the contradictions existingretirement system and social situation prevailing in our country, drawing on the successful experience offoreign adjust the retirement age from multiple angles demonstrates the urgency of our country and topostpone retirement feasibility. Our pension system started late, slow development, since there are stillmany imperfections. For example, retirement provisions currently running our country arised from theplanned economy period of the last century, at the time of the low level of productivity and youngerdemographic, to meet the needs of social development; However, the retirement age policy has beenrunning for more than60years, level of China’s current economic development, social progress, speed,technology and medical research has made great progress, but also contributed to the country inconjunction with the reality of retirement policy for scientific and rational reforms.On the other hand, dueto the country’s aging population will suddenly rising and increasing numbers of workers retire, especiallyaverage life expectancy caused a prolonged life time employees after retirement. This change led directlyto the pension insurance fund expenditures annually, even basic pension insurance fund deficit began toappear in some areas of the pension system sustainable development and social stability caused a greatthreat.In this paper, in the perspective of life cycle theory, in order to improve the ability to pay endowmentinsurance fund as the main line, in the article in the first three chapter analyzes our country town workerendowment insurance exists contradictions: per capita education time and increased life expectancy resultin personal life cycle shortened working hours; at the same time, extending the life expectancy of thepopulation to improve career and retirement pension fund demand makes rapid expansion; while Work and life cycle ratio decline and a decline in the overall Labour force of society, reduces the ability to payendowment insurance fund; these can lead to increased pressure on pay, burden, making personal changesin the life cycle and imbalance of pension fund payments, provide a new decision thinking and reasonableexplanation for delayed town worker retirement.Meanwhile, the third chapter focuses on analysis the logic associated with the life cycle, the balanceof payments and retirement pensions,and it is concluded that the change of the employee life cycle is theinner reason of China’s pension payments imbalances, effectively use the retirement this policy means toreconcile fixed number of year of the life cycle of work and retirement does not adapt this contradiction,balance so as to achieve the goal of China’s pension payments. The fourth chapter by drawing on thesuccessful experience of developed countries to delay the retirement age and combining with the reality ofthe social situation in our country designed the adjustment of China’s urban workers retirement ideas,principles, and according to future changes in the age structure of the population employment and socialsituation of China to find out the postponed the timing of the retirement age, specific programs andpostpone retirement goals. These policy recommendations have the scientific nature and operability, whichis beneficial to alleviate the endowment insurance fund balance of payments imbalances, to satisfy theincreasing of social pension funds demand, so as to promote social harmony and stability.