Research On The Old-Age Security In China Under The Background Of Population Aging

In 2004,China has entered the aging society,and the aging level will increase to more than 30 percent in 2050,which means every three people will have an elder.It is an important question for everyone that how to help the elder to achieve stability and harmony in his later years of life.At the same time,the deepening of economic reform has promoted the improvement of housing liberalization rate.How to help the elder to get their own housing higher income by some means in his later years and do not change their living quality,which certainly is a very meaningful project topic.Nowadays in our country,the acceleration of the aging and the weakening of the traditional pension model put forward new requirements for the old-age security system and the old-age model.How to consolidate the existing pension model on the basis of current situations to achieve the breadth and depth coverage of pension model,making the results of economic development share by the elder,becoming an intense topic by the expert.On the basis of summarizing the experience of the reverse mortgage law of foreign housing,this paper analyzes the social background and theoretical basis of the business operation of the product,discusses the introduction feasibility steps and the main obstacles of the housing product operation mode in China.According to statistics,the US business makes the US poverty rate reduced by about 4%.Although the product can not replace the traditional meaning of the family pension model and community home and other pension model,but it gives the elder a new way to improve their old age living standards,and it is a financial products and a new financial tools innovation,so that the choice of the elder becomes more and more diversified.The first chapter of this paper mainly introduces the background and theoretical significance of the old-age model in China under the background of population aging,and the research status of this problem at home and abroad,leading to the technical route and structure of this paper.The second chapter mainly analyzes the significance and function of the construction perfect social security theory from the perspective of Marxist political economy,and paves the way for proposing the new pension model.The third chapter focuses on the status quo and problems of the pension problem in our country.It mainly analyzes the present situation and characteristics of the aging population,the present situation and characteristics of the population pension,and the existing problems of the old-age security system in our country.The fourth chapter mainly introduces the western advanced countries(especially the United States)some advanced pension model concept and summarizes its characteristics,designing international experience for our country pension model system.The fifth chapter points out the path choice of the old-age model in China,putting forward the new design scheme of the old-age model,and analyzes its feasibility and necessity.The sixth chapter summarizes the conclusion and gives some reasonable suggestions for the design of the model in Chapter 5.The research methods of this paper include the methods of theoretical research,investigation and case study.Based on the definition of housing reverse mortgage and the design of the operation mode,the constituent elements are analyzed,and the causes of the reverse mortgage are summarized from the perspective of sociology and economics.Focusing on the selection of the US housing reverse mortgage products for research and analysis to find out the characteristics and laws,compared with China,this paper put forward the feasibility of ideas and programs.The possible innovation is the innovation of the theoretical basis and the innovation of the research ideas.This paper provides theoretical support for the development of the reverse mortgage products from the perspective of Marxist theory of social security and the necessity of improving the old-age model in China from some new perspectives and urgency,from another point of view of China's population aging problem.The shortcoming is that this paper focuses on the feasibility of the housing reverse mortgage products business and operational model,the risk management model,product pricing and interest rate volatility risk are some mention,but not very detailed discussion on how to carry out the next step in the implementation of the model and the operation process,there is no empirical discussion.From the theoretical point of view,it can enrich the real estate professional,financial insurance,sociology and institutional economics theory,but also expanded the Marxist theory of social security,life cycle theory and resource allocation theory,such as the scope of application from another to promote the innovation of China 's financial theory.From the practical point of view,this paper not only can promote the sound old-age security system and the rich and perfect old-age model,but also conducive to the innovation of China's financial products and financial instruments,not only cultivate new economic business and growth,but also conducive to change people's concept of old age,to promote people's thinking way of innovation and lifestyle changes,to maintain the stability and harmony of socialism and sustainable.