Research On China's Delayed Retirement Age From The Perspective Of Endowment Insurance System

In the current global economic integration environment,China's economic development shows a rapid development trend,followed by the continuous improvement of living standards of our residents,medical care,science and technology,education has been paid more attention by the state,life expectancy has increased year by year,but our retirement age has not kept up with the state economic development,still stay in the 1950s legal retirement age,this disjointed with our current national retirement system led to the waste of human resources,insurance fund payment pressure,young people pressure and other social problems,so the reasonable extension of pension insurance threshold.Long retirement age has realistic needs.The basis of this study is the basic national conditions of our country,taking the current retirement system and old-age insurance system as the starting point.First,it introduces the research background,significance,contents and methods of this paper,and analyzes the academic viewpoints and specific implementation strategies on the delayed retirement at home and abroad,clarifies the relevant concepts of retirement,retirement age,delayed retirement age and old-age insurance system,and uses life cycle theory,social stratification theory,socialization theory and actuarial theory to explain the necessity of delayed retirement age under the current retirement system in China.Second,from the perspective of the relationship between deferred retirement and old-age insurance Late retirement is related to the raising of pension insurance,the payment of pension insurance,the replacement rate of pension insurance,and the dependency ratio of the elderly population.In the case of constant labor intensity,the extension of retirement age means the late payment of pension.To a certain extent,the delay in retirement has a positive effect on alleviating the current pressure on pension insurance,reducing the pressure on payment of pension insurance,increasing the replacement rate of pension insurance,reducing the dependency ratio on the elderly and ensuring the steady operation of the pension insurance system.But at the same time,the late retirement age also faces the social members do not understand,the late retirement age is difficult Identification,pension management and operational risks and other challenges,indirectly pointed out the inevitability of delayed retirement age.In order to avoid the risks faced in the implementation of the policy of late retirement age,this paper focuses on strengthening government propaganda and guidance,scientifically measuring retirement time and retirement age,drawing lessons from the good practice of delayed retirement in foreign countries,managing and operating the old-age pension well,and doing well the extended pension well Five aspects of the pilot work in the late retirement area put forward scientific proposals for late retirement.