浅论人口老龄化对养老保险制度的影响分析研究以广州市为例 工商管理专业VIP免费

摘要人口老龄化问题必然会对我国的养老保险制度造成一定的负面影响，而我国早就进入了人口老龄化阶段。国家统计局公布在2001年到2020年是我国的人口老龄化快速发展阶段，预计2020年末我国的老龄人口数量会达到总人口的17.8%左右，可见我国的人口老龄化问题非常严重。并且我国的老龄人口数量可谓世界之最，同时具有增长速度快的特点，而且人口通常都是还没达到富裕程度就已经跨入老年阶段，自身的养老能力较差，这最终会导致我国的养老保险系统承受极大的压力，因此有必要对我国的人口老龄化现状以及应对措施进行研究。笔者通过资料文献法，调查问卷法，数据分析法等多种研究方法，分析人口老龄化问题及我国现行养老保险制度问题，有针对性地制定了提升家庭养老能力维持养老保险基金收支平衡，提升我国养老保险覆盖面以及缩小事业单位与企业单位退休员工的养老金层级差异的方法。本文主要创新体现在分析总结了近年来人口老龄化对我国现行养老保险制度的影响。本文以最新数据为基础，从我国的养老保险制度的具体细则，以及我国的养老保险制度目前存在的问题等方面阐述了受人口老龄化影响下的我国的养老保险制度，具有一定的参考价值。关键词：人口老龄化；养老保险；影响；对策IABSTRACTTheproblemofpopulationagingwillinevitablyhaveacertainnegativeimpactonChina'sendowmentinsurancesystem.Chinahaslongenteredtheageingpopulation.TheNationalBureauofStatisticsannouncedthatfrom2001to2020,China'spopulationageingisdevelopingrapidly.ItisexpectedthatthenumberofelderlypeopleinChinawillreachabout17.8%ofthetotalpopulationbytheendof2020.ThisshowsthatChina'spopulationageingproblemisveryserious.Inaddition,thenumberofelderlypeopleinChinacanbedescribedastheworld'sfastestandhasthecharacteristicsofrapidgrowth,andthepopulationusuallyhasenteredtheagingstagebeforereachingthelevelofwealth,anditsownabilitytoprovidefortheelderlyispoor.Eventually,China'sendowmentinsurancesystemwillbeundergreatpressure.Therefore,itisnecessarytostudythecurrentsituationofChina'spopulationaginganditscountermeasures.TheauthoranalyzestheproblemofpopulationagingandChina'scurrentpensioninsurancesystemthroughvariousresearchmethodssuchasdatadocumentationmethod,questionnairemethod,dataanalysismethod,etc.,andmakestargetedplanstoimprovetheabilityoffamilyendowment,maintainthebalanceofendowmentinsurancefundincomeandexpenditure,improvethecoverageofendowmentinsuranceinChina,reducethedifferenceinpensionlevelsbetweenretiredemployeesinpublicinstitutionsandenterpriseunits.ThemaininnovationofthispaperistoanalyzeandsummarizetheimpactofpopulationagingonthecurrentendowmentinsurancesysteminChinainrecentyears.Basedonthelatestdata,thispaperexpoundstheendowmentinsurancesystemofChinaundertheinfluenceoftheagingpopulationfromthespecificrulesoftheendowmentinsurancesystemofChinaandtheexistingproblemsoftheendowmentinsurancesystemofChina,whichhascertainreferencevalue.Keywords:Ageingofpopulation；Endowmentinsurance；Influences；CountermeasureII目录一、前言..................................................1（一）选题背景及意义.........................................1（二）文献综述..............................................1二、广州市人口老龄化现状.................................2（一）人口老龄化的概念......................................2（二）中国人口指标及人口老龄化数据............................2（三）广州市人口老龄化情况...................................3（四）我国现行的养老保险制度.................................3三、人口老龄化对养老保险制度的影响........................4（一）人口老龄化导致家庭养老负担加重.............................