中国养老保险人群差异分析及对策分析-analysis on the differences of chinese pension insurance population and countermeasures.docxVIP

Ab Abstract PAGE PAGE VI Abstract The population aging is a global issue, both rich and poor countries have had to face the situation of increasing burden caused by it. According to the United Nations, Development of Economics and Social Affairs Population Division forecasts in 2050, the population of those who are more than 60 years old in developed regions, less developed regions and the least developed regions each will be reached 41605.5 million 159,218.8 million and 18,512.9 million, and the worldwide median average age will reach 37.8years. China also has to face changes of population structure brought by the population aging in the 21st century. With the development of economy, the improvement of peoples living standards and the access of available medical services, the average life expectancy in China is also rising. Meanwhile, under the influence of the family planning policy, the birth rate maintains the downward trend, at a low level of 11.9 ‰ at recent years, causing population aging issue becoming more critical. Further more, under the influence of the family planning policy, the supply of working-age population in the future will maintain at a low increasing rate for a certain period, and finally it turns into the negative growth at a certain point. Therefore, a fair and sustainable pension insurance system becomes increasingly important for our country. But at this stage, the differences of status, urban-rural areas, jobs and regions create a negative impact on a fair supply of China’s pension insurer system, leading to significant differences among each groups of people. The innovation of this paper is under reading literatures, combining standardized analysis method with empirical analysis method that find the difference pension insurance system amount groups in our country is a multidimensional problem. Dividing population by identity and the urban-rural as the legacy of original system has been negative effect, while wage-gap and ability gap of