The Influence Of The Two-child Policy And Rising Retirement Age On The Balance Of Pension Funds Between Income And Expenditure In China

At present,China's population birth rate has continued to decline in recent years,the process of population aging continues to intensify,pension insurance there is a huge payment pressure,some provinces and cities of the fund account is not close to the phenomenon.Many academic scholars believe that the relaxation of fertility policy and the extension of the statutory retirement age can slow down the process of population aging,increase the number of contributions and pension income,reduce the pension fund gap,to resolve the pension payment pressure.Therefore,in terms of fertility policy,China has promulgated the policy of"double birth alone" and "two separate births".If the policy effect is not obvious,it will continue to release the fertility policy in 2015 to implement a comprehensive two-child policy and encourage people to give birth Two children.In the case of delayed retirement age,although our government is studying the development of delayed retirement programs,but China has not yet issued a clear delay in retirement age,the policy still remain in the theoretical stage.This paper analyzes whether the comprehensive two-child and the delayed retirement policy can effectively alleviate the payment pressure of the old-age insurance fund through the actuarial model.Through the empirical study,it is found that the implementation of the comprehensive two-child policy can effectively prolong the pension and the current income and expenditure gap of the time,the policy effect increases with the increase of fertility will increase.Delayed legal retirement age is more pronounced for reducing pension funds,and the combined effect of the two policies is better.Based on the empirical results,this paper forecasts the basic old-age insurance income of urban workers in the next 90 years,and puts forward the corresponding policies according to the conclusion,which can provide reference for the government's next policy.The research framework of this paper is as follows:The first chapter introduces the background significance of the research,the domestic and foreign research summary and the research methods and content.The second chapter introduces the related concepts and policies.In the third chapter,the present situation of the development of urban endowment insurance in our country and the existence of payment are discussed in the first chapter.The first chapter introduces the background of the research,the research summary at home and abroad,and the methods and contents of the research.The fourth chapter is based on the empirical results of the fourth chapter to make conclusions and put forward the relevant countermeasures.The fifth chapter is based on the empirical results of the fourth chapter.insurance policy in our country.