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随着我国计划生育政策的实施,独生子女家庭增多,家庭人口数量下降,独生子女家庭已逐渐成为城市家庭的主流。这种家庭结构未来将面临养老保障的风险,包括家庭经济风险、独生子女父母精神慰藉风险、独生子女及父母人身意外风险、制度风险、道德伦理风险等。为了解决城市独生子女家庭养老保障问题,我国应加强社会保障风险管理,从制度措施、养老安排、宣传教育、保险实务等方面加强社会保障体系建设。
With the implementation of China’s family planning policy, the number of only-child families has increased and the number of family members has dropped. Only-child families have gradually become the mainstream of urban families. This kind of family structure will face the risk of endowment insurance in the future, including family economic risks, the risk of parental comfort with one-child children, personal accidental risks of singletons and parents, institutional risks and moral hazard. In order to solve the problem of endowment insurance for urban single-child families, our country should strengthen social security risk management and strengthen the construction of social security system in terms of system measures, pension arrangement, publicity and education, and insurance practices.