Research On The Choice Of My Country’s Delayed Retirement Policy

As my country gradually enters an aging society,the age structure has changed.The rapid growth and huge scale of the elderly have caused many economic and social problems in our country,and the sustainable development of endowment insurance has been seriously challenged.The development of the security field and the pension system has brought great challenges,and the pension problem of the elderly needs to be solved urgently.This article is based on this background and puts forward policy recommendations for delaying retirement.Based on the current basic pension insurance system and the actual situation,this article sorts out why delaying retirement is important to our country.Starting from the development process of my country’s retirement system and the problems faced by the current retirement system,based on the specific national conditions of my country’s population aging and life expectancy,it explains the necessity and urgency of delaying the implementation of the retirement policy in my country.Through the establishment of a pension insurance fund balance model,further analysis of my country’s implementation of delayed retirement and non-implementation of delayed retirement on the income and expenditure of pension insurance funds,proves that the delayed retirement policy can reduce the income and expenditure gap of pension insurance funds.Through specific calculations of five delayed retirement plans,the most suitable delayed retirement plan for my country is obtained.Based on the comparison of the calculation results of different plans,corresponding policy recommendations are put forward to provide a little experience for the introduction of the delayed retirement policy in my country.According to the theoretical and empirical analysis,the final result shows that gender differences will have different effects on the income and expenditure of pension insurance funds,and the delayed retirement policy can delay the time limit of the gap and reduce the size of the gap.The retirement policy that distinguishes between men and women is suitable for my country,but its effect is not as expected.It needs to be matched with other policies,such as adjusting the birth policy and increasing the investment income of the fund.The size of the pension insurance fund is positive for the age and speed of delayed retirement.Related relations,the sooner the retirement policy is implemented,the more sufficient the fund surplus will be.In order to make the balance of pension insurance fund revenue and expenditure longer,the government should introduce a policy of delaying retirement as soon as possible,which is of great significance to the development of social stability.