The Effect Of Postponed Retirement On The Gap Of Urban Employee Pension Fund In Anhui Province

In recent years,with the deepening of the aging of the population,the pressure for the elderly has become more and more prominent,and problems related to old-age care have frequently appeared.Anhui Province is one of the losses in the basic old-age insurance fund accounts of urban employees in many areas.The statistics of the annual report of Anhui Province also show that in 2020,the old-age insurance fund for urban employees in Anhui Province was insolvent in the current period.It is completely conceivable that there is no public financial support.I The scale of the gap in the provincial old-age insurance coordination fund for urban employees can be imagined,and according to the gradually accelerated aging process,it is reasonable to predict that this gap will continue to widen in the future and accelerate the consumption of the accumulated balance of pensions.In addition,the development of commercial old-age insurance,as the third pillar of the pension system,is lagging behind and unable to meet the growing demand for old-age care,which further exacerbates the difficulties faced by the pension problem in our province.Western countries have studied pension issues for a hundred years,and the practice of many countries has also proved that the delayed retirement policy can be effective.The delayed retirement policy in China has been controversial,and the final decision on the retirement method has been delayed.The paper tries to study whether postponing the retirement age can work on the old-age insurance fund for urban employees by piloting it in the province and then popularizing it nationwide.How does it work?Taking Anhui Province as an example,on the basis of predicting the future population development in Anhui Province,the income and expenditure of the old-age insurance coordination fund for urban employees in the province before and after the implementation of the delayed retirement plan are calculated respectively.Finally,the results of the calculation are comprehensively analyzed to compare how each delayed retirement plan affects the overall planning base of old-age insurance in Anhui Province.The operation effect of gold.First of all,I read and sorted out the literature on delayed retirement at home and abroad.On the basis of understanding the existing research results,I will clarify the research content according to the current social background.Then,I define the relevant concepts of old-age insurance involved in this article and explain the role of delayed retirement from the theoretical level.Then I will combine China’s retirement policy.The evolution history expounds the operation status of old-age insurance for urban employees in Anhui Province in previous years under the current retirement policy: including the current status of insurance participation,retirement status,income and expenditure balance,and the participation of urban employees in commercial old-age insurance.Through sorting out the current situation,it is found that there was a deficit in the pension income and expenditure of urban workers in Anhui Province in 2020;with Later,according to the basic data of the population by age group in 2010,a population prediction model was established.In order to predict the total population of our province in the next 30 years,an old-age insurance fund income and expenditure model was established.After calculation,it was found that the gap in the pension fund account in Anhui Province under the current policy will be wider and wider.In this dilemma,referring to the effective foreign withdrawal plan,three deferred withdrawal plans were designed for our province.Then,according to the relevant parameters set,MATLAB software was used to run the income and expenditure prediction model of the basic old-age insurance fund for urban employees in Anhui Province,and the specific operation of pension funds under the three retirement plans were sorted out according to the operation effect.The situation and analyse the feasibility of each program.Finally,it was concluded that delaying retirement was effective,and a program was selected on the basis of merit,and several supporting measures were proposed for the implementation of the program:strengthening early publicity and implementing the delayed retirement program as soon as possible;reversing the fertility rate and improving the demographic structure;trying to find ways to add value;improving the welfare benefits of employees;and improving the multi-pillar pension security system.Focus on the development of commercial old-age insurance.