[关键词] 养老方式;养老支付能力;养老机构[中图分类号] C913.6 [文献标识码] A [文章编号] 1009-6043(2018)01-0028-02Abstract: China has put forward countermeasures on the family planning policy, the elderly social security system, the aging industry andthe service industry during the 13th Five-Year Plan period, so as to actively respond to the aging population. But with the rapiddevelopment of economy, culture and urbanization process, their payment capacity has different levels gap. The problems are single way,weak payment capacity and imperfect institutions, which restrict the improvement of urban pension system and limit the healthydevelopment of urban economy. In order to solve the problem, based on the analysis of pension intention, payment capacity and demandstatus quo of institutions endowment of the elderly residents, the study puts forward to improve the payment capacity, reduce the pensionburden of children, develop the urban pension cultural undertakings, and promote the development of the urban pension institutions, so asto provide the reference for formulating pension service policies and effective utilization of endowment resources.Key words: endowment way, payment capacity, pension institution[作者简介] 曾诗语(1996-),女,辽宁辽阳人,本科,研究方向:社会保障;班晓娜(1976-),女,辽宁大石桥人,副教授,博士,研究方向:养老保障。[基金项目] 2017 年度辽宁省大学生创新训练项目:城市居民养老方式选择问题研究—— — 以辽宁省地区调查为例(201710165000310);2017 年度辽宁省社会科学联合会一般项目:辽宁城乡居民养老方式选择问题研究(2017lslktyb-110);2017 年度大连市社会科学联合会一般项目:大连城乡居民养老方式选择及应对人口老龄化对策研究(2016dlskyb072)。第 2018 年第 1 期(总第 497 期)商 业 经 济SHANGYE JINGJINo.1,2018Total No.4972017 年我国民政部公布的数据显示,截至 2015 年底,我国 60 周岁及以上人口已达 2.22 亿人,占总人口比例的 16.1%,这说明我国已步入老龄化社会,并且老龄化趋势将在未来的 30 年内呈加剧态势。加之我国城镇化率达到 56.1%,城镇常住人口达 7.7 亿 [1] 。与此同时,辽宁省老年人口总量不断增长,截至 2015 年末,60 周岁及以上户籍老年人口达到 879 万人,占全省总人口的 20.58%,高于全国 16.1%的水平 [2] 。