In China，the organization system and service network of old-age pension insurance for the non-working urban and rural residents （hereafter abbreviated as residents pension） has been developed，which builds upon the pension operation agencies at county/district level as the main body，also relies on the financial service delivery points and work stations at both township/street community & village/residential community levels. During the 13^th National Five-year Plan period，the key elements such as the slowdown of economic growth，acceleration of population ageing，stepping-up of urbanization and the increasing mobility of people have brought about challenges and pressure to the development of residents pension cause，which mainly shows as follows：First，pension funds may be exposed to depreciation risk in the long run due to the shortage of investment channels. Second，the interest loss of grassroots financial service agencies may result in the decline of service quality. Third，residents pension may suffer from the inadequacy of supplementary financial service delivery due to the changing of such pension service demands in the future. Four policy proposals have been put forward in this paper. First，improving financial service standards for residents pension，making more efforts in regulating management，and improving financial service quality. Second，studying and formulating the implementation details for the pooling，depositing，investing and operation of the funds collected by grassroots financial institutions at higher level，so as to ensure the investment and operation of the funds. Third，enhancing information system management and data security allocation for the prevention of financial network risks. Fourth，try every possible means to extend financial service delivery points，so as to satisfy the development demands for resident pension.