养老金制度与老龄化经济的适配性研究
摘 要：随着全球老龄化趋势的加剧，养老金制度与老龄化经济的适配性问题愈发凸显。本研究旨在深入探讨养老金制度如何更好地适应老龄化经济的需求，以应对日益严峻的社会养老挑战。通过综合运用定量分析与定性研究的方法，我们对当前养老金制度的可持续性进行了全面评估，并提出了针对性的改进策略。研究过程中，我们创新性地构建了一个动态分析模型，该模型能够模拟不同养老金政策调整对经济和社会的影响。分析结果显示，在老龄化背景下，传统的养老金制度面临着巨大的支付压力，而通过优化养老金的投资策略、提高养老金的缴费比例以及适当延长退休年龄等措施，可以有效提升养老金制度的可持续性。此外，研究还发现，养老金制度的改革需要综合考虑经济、社会、人口等多方面的因素，以确保制度改革的平稳推进。本研究的主要贡献在于，不仅揭示了现行养老金制度在老龄化经济下面临的挑战，还提出了一系列切实可行的政策建议，为政府决策提供了科学依据。通过本研究，我们期望能够为养老金制度的改革与完善提供有益的参考，以更好地应对老龄化带来的社会经济问题，促进社会的和谐稳定发展。
关键词：养老金制度可持续性；老龄化经济适应策略；动态分析模型；支付压力缓解措施；政策改革建议
A Study on the Adaptability of Pension System to the Aging Economy
Abstract: With the intensifying trend of global aging, the issue of adapting pension systems to the economics of aging has become increasingly prominent. This study aims to explore how pension systems can better meet the demands of an aging economy, in order to address the growing social challenges of providing for the elderly. Through a combined approach of quantitative analysis and qualitative research, we conducted a comprehensive evaluation of the sustainability of current pension systems and proposed targeted improvement strategies. In the course of our investigation, we innovatively developed a dynamic analysis model capable of simulating the economic and social impacts of various pension policy adjustments. Our findings indicate that, in the context of aging, traditional pension systems are under significant payment pressure. However, measures such as optimizing investment strategies for pension funds, increasing pension contribution rates, and appropriately extending the retirement age can effectively enhance the sustainability of these systems. Furthermore, our research reveals that reforms to pension systems must take into account multiple factors, including economic, social, and demographic considerations, to ensure smooth implementation. The primary contribution of this study lies in not only identifying the challenges faced by existing pension systems in an aging economy but also presenting a series of practical policy suggestions that provide a scientific basis for governmental decision-making. Through this research, we aspire to offer valuable insights for the reform and improvement of pension systems, enabling a more effective response to the socioeconomic issues arising from aging and promoting harmonious and stable social development.
Keywords: Sustainability of Pension System; Economic Adaptation Strategies for Aging; Dynamic Analysis Model; Measures to Relieve Payment Pressure; Policy Reform Suggestions
目 录
一、绪论 1
（一）研究背景和意义 1
（二）养老金制度与老龄化经济研究现状 1
（三）研究方法与思路 1
二、养老金制度的基本理论与发展 2
（一）养老金制度的定义与类型 2
（二）养老金制度的发展历程与现状 2
（三）养老金制度的经济社会功能 3
（四）养老金制度面临的挑战与改革趋势 3
三、老龄化经济的特征与影响 4
（一）老龄化经济的定义与衡量指标 4
（二）老龄化经济的全球趋势与中国现状 5
（三）老龄化对经济增长的影响机制 5
（四）老龄化对养老金制度的压力与挑战 6
四、养老金制度与老龄化经济的适配性分析 6
（一）养老金制度对老龄化经济的适应性评估 6
（二）老龄化经济下养老金制度的可持续性分析 7
（三）国内外养老金制度适配性案例研究 7
（四）养老金制度与老龄化经济协同发展的政策建议 8
结论 8
参考文献 10
致 谢 11
