以內蒙古自治區5個村落為例 - Dependence and Independence : A Study on China’s Rural Family Pension from the Risk Perspective-taking 5 villages in Inner Mongolia Autonomous Region as an example

Abstract

The social changes and the increasing risk of old-age pension have made the problems of rural old-age pension face severe challenges. The current rural pension model is mainly based on family pension and supported by social pension for the elderly, and the children are still the main economic supporters of the elderly in rural areas. This paper divides the different models of family pensions for the elderly to accept the pension funds of their children, and explores the dependent and independent level of the elderly in rural areas.BR The research shows that old people is more and more dependent on their own physical condition and income situation，when the old people`s own endowment resources are gradually scarce, they will seek financial support from family internal factors (mainly children) and social external factors. However, there are obvious differences in the independent level of these two kinds of economic support and own endowment resources for the elderly in rural areas. Comparing with social external factors, personal factors and family internal factors (mainly children) play a more regular role in the independent level of the old-age pension mode, which shows that the better the spouse, the better the physical condition, the higher the income level, and the less dependent the children are on the concept of pension, the more independent the pension mode chosen by the rural elderly will be, and the better the economic conditions of the children, the fewer the number of children, the more the elderly tend to independent pension mode. However, there is no obvious rule to follow in the change of the degree of independence of the aged by external factors such as the rich and poor in villages and towns, social security, etc.BR Therefore, in the current pension mode dominated by family support, especially children’s support and children’s economic subsidies, although social security is the decisive factor affecting the choice of family pension mode, personal factors and family internal factors (mainly children) is still an important force that determines the independent level of pension.