Actuarial Research Based on Pension Insurance for Urban Residents in China

In the context of the rapid development of social economy and the accelerating process of urbanization, the state and relevant departments have also put forward new tasks and requirements for the development of urban residents’ pension insurance. It is emphasized that it is necessary to link with reality and provide more powerful protection for the pension of urban residents by optimizing the adjustment of the pension insurance benefits for urban residents. This study is mainly to make in-depth research on the actuarial calculations in China’s urban residents’ pension insurance, and through the combination of existing research results and survey analysis to effectively solve the problem of urban residents’ low level of pension replacement and make a comprehensive analysis and comprehensive analysis. [1] Then, by proposing a more targeted adjustment strategy for urban residents’ pension insurance, and by scientifically clarifying more reasonable standards for the replacement rate of urban residents’ pension insurance funds, a more feasible adjustment plan is designed to provide urban residents with a basic living standard after retirement. Only in this way can the positive role of the pension insurance work for Chinese urban residents be fully brought into play.