The Effects Of Aging Of Population On Endowment Insurance

The aging of the population as the population structure change phenomenon,on the economic and social development have a profound effect,on the one hand,the aging of the working age population decreased,shortage of labor,so as to promote industrial upgrading from labor-intensive to capital and technology intensive,on the other hand,aging aggravates the burden of social pension the development of the old-age security system,put forward higher requirements to improve.According to the results of the sixth census in 2010,China's population aged 65 and above accounted for more than 8.87%,accounting for more than 60 years of age and population of more than 13.26%,according to the international definition of aging society,have entered the aging society.Different from western developed countries,the aging of our country is in the level of social economy is underdeveloped situation,there is not the old rich first,the aging population base,the features of fast development,and with the medical level and the continuous improvement of life expectancy,the aging trend further.Endowment insurance is an important part of the social security system,directly affects the life of the aging population,and the social stability,so the study of influence of aging on pension insurance expenditure level has theoretical and practical significance.This paper from the development status of China's aging and pension insurance system as the breakthrough point,analyzes the influence on the level of aging,pension insurance expenditure shows that there is a positive correlation between the high level of aging and pension insurance expenditure at the same time,based on the dynamic model,found that the pension insurance expenditure level large inertia.In the analysis of the impact of aging on pension insurance expenditure level,this paper forecasted the future population size and age structure,analysis of the impact of pension expenditure level of aging based on short-term future pension insurance expenditure level is forecasted.The results show that the pension payment pressure in the aging degree the future will face more challenges.By 2020,the pension level is 4.34%,to 2050 will reach 6.89%.This paper solves the key problems in the aging degree of influence on pension expenditure level and future pension insurance expenditure estimates,through the comparison of foreign strategies in solving the aging brought many problems to the pension problem,this paper gives the following suggestions:first,perfecting the retirement policy,from the retirement age and improve two aspects to improve the rate of the payment period and post retirement benefits the elderly human capital;the level of pension benefits second,balance of urban and rural areas,protecting the rural poor elderly basic living;third,to encourage the development of supplementary pension insurance,in order to alleviate the pressure of the government;fourth,increase the pension fund investment channels,to achieve the fund's value.