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Study on the New Type of Rural Social Pension System and Obstacles in China

Author: LiXiaoJia
Tutor: LinYi
School: Southwestern University of Finance and Economics
Course: Social Security
Keywords: The new rural social pension insurance Financial transfer payment Government System
CLC: F842.6
Type: Master's thesis
Year: 2010
Downloads: 1328
Quote: 2
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Abstract

By the end of 2007, the national population aged 60 or older has grown to 153 million, accounting for 11.6% of the country's total population. 2020, China's elderly population is expected to reach 248 million the aging level reached 17.17%. China has entered the aging society, increasing pressure on pension. Especially in a rural population accounts for most of China, with the intensification of agricultural population aging, family pension in the rural areas in the traditional sense, land endowment two lines of defense under attack, rural old-age issues become increasingly prominent. Party and the government to continue to carry out agricultural insurance system to give a high priority, and has stressed the need to explore the establishment of social endowment insurance system for rural residents in many important meetings and documents. The 16th CPC National Congress: \agricultural issues important way to building a harmonious society is an important measure for building a new socialist countryside. Therefore, the establishment of new rural social pension insurance system is not only related to the production and living of the farmers, but also to the country's economic development, political stability, social harmony and other major issues. 1992, issued by the county-level rural social old-age insurance program (Trial) \the life of the system, so that China's rural social endowment insurance system for the establishment and promotion policy basis. However, with the deepening economic development and social change, the program gradually difficult to adapt to the development of the times, its inherent flaws and shortcomings gradually exposed. Such as the lack of financial support, the security level is too low, the system lacks stability and continuity of the safety and profitability of the Fund. Chinese farmers how to crack the problem of the \Central recently decided that the scope of the pilot of the new rural social pension insurance in 2009 for 10% of the nation's counties (cities, districts, banners), after the gradual expansion of the pilot to the 2020 basic achieve full coverage. Promotion of new agricultural insurance is like a timely rain, so that old people see hope. Based on the above background, this article the following chapters: Chapter 1 Introduction describes the background of the paper, the purpose and significance of research trends proposed thesis ideas and theoretical methods, innovation and deficiencies that may . The second chapter of rural social endowment insurance system development process and the lessons learned analysis of this chapter reviews the main problems in the rural social endowment insurance system in the course of development, analysis of the root cause of these problems that our country did not establish the true sense of the rural social endowment insurance system. Comparison and Enlightenment of Chapter foreign rural social endowment insurance system for the practice of this chapter, starting from the point of view of both developed and developing countries, Germany, France, Canada, Japan, Brazil, Korea, Poland and other countries of rural social endowment insurance system analysis, in-depth study of the national rural social endowment insurance system to establish the timing, system mode, the fund sources of funding, the the countries social pension insurance system under the retirement age, measures of non-farm and part of the industry personnel, land and national governments in the role of rural social endowment insurance, draw the following revelation: the establishment of rural social endowment insurance system must respect the conditions; establishment of urban and rural social endowment insurance system is a gradual process. In this process must be legislation first; the government should play an important role; pay attention to the multiple functions of the goals of the design system must enhance the sense of social insurance for all farmers. The fourth chapter of the new rural social pension insurance system in pilot mode of this chapter summarizes some typical models in the new rural social pension insurance pilot areas, including the Beijing mode, Shanxi mode, Shaanxi, Jiangsu mode, and farmer Paul compared innovations were analyzed. The innovation is reflected in the following four aspects: First, the mode of financing by personal contribution and collective benefits, supplemented by countries to give policy support to the individual contributions and collective benefits, government subsidies shift. Second, the standard of treatment meter no longer relying on the accumulation of individual accounts. The third insurance coverage to further expand. Fourth, convergence with other relevant pension insurance system interface. Finally, a brief review of the new agricultural insurance pilot stage there are still problems. Chapter Difficulties This chapter presents several major difficulties faced in the construction of new rural social pension insurance system will be the management system; expand the coverage of the plight of building a new rural social pension insurance system, which affect the coverage of factors including the level of economic development, institutional arrangements, government responsibility and financial risk, social insurance awareness and historical and cultural traditions; government financial transfer payment system is imperfect, the following problems: Expenditures of responsibility is not clear, transfer payments small scale, relying solely on special transfer payments, financial transfer payment to the lack of legislation to ensure; Fourth, the difficulty of preserving and increasing the value of the Fund; Fifth convergence of old and new agricultural insurance and pension arrangements of migrant workers. Chapter VI Countermeasures improve the new rural social endowment insurance system around the fifth chapter of the difficulties of this chapter to start the corresponding countermeasures and measures. Seven of the countermeasures proposed; First, to accelerate the process of rural social endowment insurance and legal system. Second, improve the management structure, improve the implementing agencies. Third, determine the amount of individual contributions, innovative payment method according to regional differences, the Government of farmers have difficulty giving direct subsidies. Fourth, propaganda and guidance, through effective policies to improve the awareness of social insurance for farmers. Fifth, to build the new rural social pension insurance financial transfer payment system. Sixth, the new farmer's insurance Farmer insurance, migrant workers Pension System in the convergence. Seventh, the reform of rural old-age insurance funds operating system, establish and improve the supervision system. The new rural social pension insurance pilot work, not much for the study of new agricultural insurance. Farmer insurance system more systematic retrospective analysis, summed up the successful experience of foreign and domestic innovation of the new agricultural insurance pilot mode and deficiencies in the establishment of a new type of rural social endowment insurance system in China is based on personal opinion. The innovation lies in: First, a summary of the new agricultural insurance pilot mode analysis provides a practical basis for the proposal of building a new agricultural insurance system Countermeasures. Second, specific analysis of several major difficulties in the establishment of new rural social pension insurance system, including the management system does not straighten out the financial transfer payment system is imperfect, the interface between the new agricultural insurance system and pension system difficult, the Fund There is no way to increasing the value of. At present, few studies of new agricultural insurance, the lack of a comprehensive, systematic analysis of the above-mentioned difficulties. These difficulties together fully taken into account, as the construction of new rural social pension insurance system in China is different from the rest of the world, different from before system construction in China's own characteristics. Third, the proposed countermeasures to improve the new rural social endowment insurance system, taking into account regional differences, innovative forms of payment, flexible payment method for special groups. For the study of financial transfer payment of social security article should not have, and research new farmer's insurance financial transfer payment more uncommon this case, we improve the financing mechanisms of the proposed transfer payments from the establishment of new agricultural insurance financial point of view put forward . Finally, on behalf of migrant workers, Chunnong Hu, according to the special nature of the various groups to develop new agricultural insurance convergence.

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