Research On The Setting Of Retirement Age Of Old-age Insurance Under The Background Of Population Aging

Endowment insurance is an important part of China's social insurance system,is the most important of all types of insurance.While the statutory retirement age are all insured pension insurance system are very concerned about the part.China's statutory retirement age still follows the statutory retirement age stipulated in the relevant documents of 1978.However,with the continuous development of the times,China's population growth rate gradually slows down,the aging problem intensifies,and the dividends of the large labor force gradually disappear.The current statutory retirement age is no longer suitable for the current social development.Continuing to implement the original statutory retirement age,the payment pressure of the social security fund will be greater.In the long run,there will be unsustainable situation.With the continuous enrichment of medical technology and living materials,many workers who have reached the legal retirement age in China still have the ability to continue working,especially for doctors,engineers,scientists and other groups engaged in mental exercise,often have longer working life.Therefore,it is imperative to reset the statutory retirement age.Based on this,this study takes the statutory retirement age as the research object.Firstly,through the introduction of the current implementation of the statutory retirement age policy,and analysis of the impact of the aging of the population and the aging of the statutory retirement age on the operation process,resulting in the shortening of the working age of workers,the declining of the labor force population and the poor income and expenditure of pension funds.With the increasing distance,the social dependency ratio continues to decrease,and the same policy does not match the development of different regions and other related issues.Secondly,in view of the development process of foreign pension insurance system,we select some countries with reference to the statutory retirement age and the operation of the pension insurance system.Through SWOT comparative analysis,we summarize the experience that can be used for reference in the adjustment of China's statutory retirement age system.Thirdly,this paper introduces the relevant variables of the statutory retirement age,and takes Dujiangyan City as an example to analyze how Dujiangyan City affects the relevant variables after resetting under the statutory retirement age,and puts forward relevant suggestions on the adjustment of the statutory retirement age.Finally,analysis of the statutory retirement age adjustment from employment,fund operation,people's income and social stability in four aspects after the possible risk,and put forward the corresponding countermeasures,preventive treatment.With the development of social system reform,especially the reform of old-age insurance system,the government should promote the reform of the legal retirement age system of old-age insurance according to the current economic development,make full use of the leverage of the old-age insurance system to realize the secondary distribution of social income,further reduce the gap between the rich and the poor,so that every citizen can make full use of it.Enjoy the fruits of reform and development.