Research On The Old-age Insurance Of Urban Workers In Heilongjiang Province Under The Background Of Aging

After the reform and opening up,with the increase of fertility rate and life expectancy,the pace of population aging around the world is also accelerating,accompanied by the disappearance of the "demographic dividend" and reduced the speed of social development.With the advent of the aging age,all countries in the world are facing the crisis of insufficient pension,the traditional family pension model is gradually withdrawing from the stage of history,the financial burden of the country is also increasing.The trend of globalization of aging,every country will be affected,in order to stabilize social development,sustainable economic development,we must actively respond to the aging,to ensure the sustainable development of pension.Heilongjiang Province is one of the most populous provinces in China.Heilongjiang Province has entered the aging society since 2005.Since Heilongjiang Province entered the aging society,the proportion of the population aged 65 years and over has been increasing rapidly since 2015.In 2016,the elderly population aged 60 years and over and the elderly population aged 65 years and over accounted for 18.2%of the national elderly population,respectively.And 11.6%,higher than the national level as a whole,but it took only 14.5 years for our province to enter the old-age society from the adult society,which shows the pace is fast.Takes the old-age insurance of urban workers in Heilongjiang Province as the research object,studies the problem of old-age insurance under the background of population aging,and probes into the problem of old-age insurance of urban workers in Heilongjiang Province by means of literature analysis,comparative analysis and questionnaire survey.This paper begins with the definition of population aging,and then defines the concept of urban workers’endowment insurance.Then it sorts out the data of China’s statistical yearbook,analyzes the present situation of population aging in Heilongjiang Province,summarizes the present situation of urban workers’ endowment insurance in Heilongjiang Province,and finds out the urban workers’support.There are some problems in old insurance,such as low replacement rate of pension,unsound payment mechanism of old-age insurance,single subsidy measures and weakening family pension function.On this basis,the paper deeply analyzes the root causes of the problem of old-age insurance for urban workers in Heilongjiang Province.Finally,according to the root of the problem,from improving the pension replacement rate,pension payment mechanism,pension model and pension insurance investment mechanism,put forward targeted recommendations.The government should increase pension investment,establish social pension service fund system,increase pension payment,improve pension investment channels and other ways to solve the problem of urban workers’pension insurance in Heilongjiang Province under the background of population aging.