Based On The "Internet Plus" Perspective And Construction Of Intelligent Pension Model Construction

Under the background of the implementation of one-child policy for more than 30 years,China has become the first country of getting old before getting rich.In the middle of 21 st century,China will the situation where one in three will become the elderly because of weak economic foundation and an increasing speed of aging of population.With the declining birth rate and the rapid growth of the elderly population,China officially launched a new family planning policy that couples can have two children,also known as “universal two-child policy”,which was carried out from 1 January 2016.The adjustment of this policy has played a positive role in optimizing the family structure and promoting social and economic development in the long run;however,in the short term,China has to face the problem of supporting old people brought by raising the birth rate and the aging of the population.Therefore,we should change our concept,take stock of the situation,and seek the new pension model.Firstly,this paper focuses on the comparative analysis of three kinds of mainstream pension modes---family pension,institutional pension,community pension in Nanchang.Results show that family endowment concept is deeply-rooted and hardly irreplaceable;besides,the size of the institutional pension is growing and the quality of service is increasing.The community pension can not only provide convenient pension services for the elderly,but also can promote the self-construction of community.However,the function of traditional family pension is weakening,and there are also some problems in the actual operation of pension institutions;moreover,community pension is incomplete as a new type of old-age pension.Hence,we have to integrate the advantages of the three pension models and maintain the existence of the three models to satisfy different needs of the aged.The rapid development and application of "Internet plus" can solve the developmental dilemmas of existing pension models.The construction of “Internet plus + ” wisdom pension model can compensate for the disadvantages of family pension,institutional pension and community pension by virtue of the internet,which can even form their own resource advantages and explore a new pension model for china.