Analysis On The Change Of Population Structure And The High Quality Development Of Enterprise Annuity

In recent years,the trend of population aging in China has intensified,and the biggest social problem must be the problem of old-age security.Under China’s multi pillar old-age insurance system,the basic old-age insurance presents problems such as excessive proportion,excessive overall expenditure burden and declining substitution rate.The development of the second and third pillars is slow and fails to form a scale effect.Among them,although the second pillar enterprise annuity has accumulated a certain scale and experience after nearly 20 years of development in China,its proportion in China’s overall old-age security system is still too low.What factors affect the demand for enterprise annuity?What is the relationship between the change of China’s population structure and enterprise annuity.Firstly,this paper reviews and summarizes the relevant literature on China’s aging and social security,old-age security system and enterprise annuity,and then describes and analyzes the changes of China’s population natural structure and social structure,the development of China’s old-age insurance system,especially the development of enterprise annuity,and compares it with foreign old-age security systems.It also puts forward the high-quality development index of enterprise annuity,that is,the coordinated development of quantity and quality.Finally,using the empirical analysis of regression model,this paper mainly selects the data such as the change of population natural structure and social structure,and studies the factors affecting the scale and quality of enterprise annuity in combination with the factors such as insurance rate and insurance amount.The study found that the number of elderly population,an indicator of natural population structure change,has a positive effect on the scale of enterprise annuity.Elderly dependency ratio and birth rate have a positive effect on annuity coverage.The ratio of urban population to occupational pension substitution rate has a positive effect,and the ratio of employee population to occupational pension substitution rate has a negative impact.Finally,according to the existing demographic change data in China,a data model is established based on the gray forecasting method,which predicts the population structure data of China from 2021 to 2030,and combines the linear regression equation to predict the annuity development indicators,and obtains the target requirements for the high-quality development of Annuity in China.These studies are of certain value to the policy orientation and government supervision of China’s enterprise annuity market.Finally,the paper puts forward some policy suggestions for the development of enterprise annuity in China.