The Substitution And Complementation Of "nurturing Children To Prevent Old Age" And "saving Anti-aging"

Along with the two child policy, the adjustment of China's population structure will have an impact on the traditional concept of retirement. “Raising for old age” and "saving for old age" as today in fact two typical mode of providing for the aged, there are alternative and complementary relationship, the relationship has once again become a hot topic in the field of pension.First of all, this paper begin with rational people hypothesis as the premise, the use of personal optimal pension choice model and the actual "joint decision" the pension choice model analyses personal choice decisions, and influence on the quality of life in old age of "raising" and "saving" different combination forms. The conclusion is: "raising" and "saving" are decision standard of living quality for the elderly, and in order to achieve a higher in the quality of life in elderly, decision makers need to "raising” and "saving".In this paper, from the empirical level in Jinan City, the conclusion is: Jinan city residents depending on “savings for old age” was significantly greater than that in rural, rural residents both in the material aspect or aspects of life, degree of dependence on the pattern of "raising" were greater. Among them, Pingyin County, Shanghe County is particularly prominent. The calculated results show the average dependence of urban residents depending on “savings" was 81%, and that of rural residents is only 29%, "raising" concept in rural areas is still exists visibly.After grasp the main features of pension mode in each area Jinan city, the influence factors of the preference of pension mode were analyzed. The result is: "health", "generations", "per capita consumption", "children given pension benefits", "marital status", "family relationship", "education", "old-age insurance status" and "disposable income" are the main factors that influence city residents choosing the “saving mode”. Whereas “income," education", “health", "marriage", "family size”,“generations", "the pension insurance status" and "traffic condition " are the main influencing factors of “raising for old” for rural residents.Based on the preference characteristics of endowment mode in different areas, this paper defined the main effects of pension mode preference factors of Jinan urban residents and rural residents. Which provides a strong suggestion for the suitable reform measures in different areas in the future. Besides, in the accelerating aging trend, the study provides a theoretical framework for coping with aging problems and exploring the Chinese endowment type.