The Study On Retirement Planning Of Middle-aged Stuff In Chinese Cities

China is currently in a major historical period of social and economic development and transformation.The imbalance in the age structure of the population makes China face the challenge of "being rich before getting old" in the initial stage of socialism.China’s urban middle-aged stuffs,as the creators of the economic miracle of reform and opening up and an important force in the current socialist modernization drive,also bear the pressure and responsibility in their families to support the elderly,raise their children,and help their children start their own businesses.Based on the fact that the working age population is aging internally,the population pyramid of the 30-60 year-old population presents the objective fact of an inverted triangle structure.Although the middle-aged people are not directly facing the problem of old-age care,under the influence of multiple pressures,urban middle-aged stuffs are The energy and economic resources for preparing for old age are relatively limited.This large number of groups is a potential "old age crisis group" in the future.In combination with the above background,this article focuses on exploring the feasible path of how much aging should be started with the preparation of middle-aged employees in Chinese cities.First,middle-aged stuffs are selected as the research object,and the existing literature is used to define the two concepts of middle-aged stuffs and old-age preparation,and to find the relevant theoretical basis for the research on old-age preparation.Secondly,based on the literature research,a preliminary definition of the concept of old-age preparation is constructed,and a conceptual model of old-age preparation is constructed.Based on a questionnaire survey of middle-aged employees in Chinese cities,the description of middle-aged stuffs’ financial support preparation and old-age care is described.Status of preparations for living care and self-development for the elderly,understand the practical difficulties faced by middle-aged employees in providing for the elderly.Thirdly,based on the demographic characteristics,family characteristics,and socioeconomic status of middle-aged employees,the influencing factors that lead to differences in pension provision for middle-aged employees are screened out,and further empirical research and theoretical analysis are carried out.The study found that at this stage,middle-aged stuffs in most cities have not made preparations for financial support for the elderly.After entering the life of the elderly,they take pensions as their main source of income and are greatly affected by inflation.The proportion of people who choose to live with their children to prepare for retirement will decline,but family pensions will still take the lead in the foreseeable time.Occupational factors have a significant impact on the choice of old-age living methods.Employees of private enterprises are more likely to choose institutional old-age pension than government employees and employees of state-owned enterprises.Gender and education have a significant influence on the choice of old-age living methods.Women are more inclined to live with their children than men,and middle-aged employees with higher education are more likely to choose an institution for living.Finally,it puts forward policy suggestions that are conducive to middle-aged employees’ retirement preparation,raise the level of supply for the aging industry,strengthen financial education for middle-aged people,and optimize the function of family pensions;fully meet the demand for old-age care for potential elderly group of middle-aged stuffs in the future.Truly achieves active aging.