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Migrant workers in China's reform and opening up and the industrialization and urbanization process in the emergence of a new labor force, a large number of migrant workers in cities or in rural enterprises employment, rural development has injected vitality, create wealth for the city to become an industry-driven agriculture, promote rural cities in developed regions driven by an effective form of backward areas, is to promote economic and social development of the important forces on China's modernization drive and make a significant contribution. However, due to differences in the identity of migrant workers in the city in a very awkward marginalized: in the city, they are the local \Most people do not engage in agricultural production, not the true meaning of the farmer. Their employment, income, labor conditions, especially pension insurance situation is worrying, suitable for migrant workers in the country to establish the characteristics of the pension system is imperative. First, create for migrant workers pension insurance system is conducive to social justice, social stability and social harmony. Second, establish and improve migrant workers pension insurance system can calmly deal with the aging society, so that migrant workers a sense of security, the times to enjoy the fruits of social development. Third, to explore and establish a sound social endowment insurance system of migrant workers, for the improvement of China's current dual structure of society, and ultimately establish and improve a unified unified social pension insurance system and social security system has great significance. Is a national basic pension insurance under the law and regulations, in the employee reaches the age of retirement or discharge state labor obligations age limit, and the incapacity due to old age leave the labor post, for the protection of workers' basic living and the establishment a social insurance system. The pension financing, pension insurance system is the material basis for survival and development. From our protection of migrant workers around the current mode of view, in the pension financing are based on wage income as the base pay for both employers and migrant workers for collection, as in determining the contribution rate to take into account contributions amount to meet the future needs of migrant workers pensions, so the protection of migrant workers around the model mostly based on certain wage standards, the collection of the amount of wages the employer 20% of the amount of wages for migrant workers 8% of the collection of such levy the proportion of the employer to pay, it will greatly improve labor costs, corporate profits will be greatly reduced, and even lead to bankruptcy; against migrant workers, their wages should not have high because of various reasons, if in accordance with the provisions of the wage system Standard payment, their income will be dropped, in some places actually accounted for migrant workers pay 20 percent of their wages, causing them can not afford. Current endowment insurance of migrant workers across both the enterprise to evade varying degrees of migrant workers the phenomenon of high lapse rates, the high contribution rate is undoubtedly one of the important factors. According to China's urban and rural differences in the levels of economic development and characteristics, based on the capacity of different social groups and social insurance needs differ, stage of China's migrant workers pension insurance system is established should be positioned at low rates and wide coverage, can be transferred on the basis of , and the urban and rural pension insurance system can dovetail. This article is based on the principle of migrant workers pension funding issues were discussed, proposed not only wage income as a means of financing old-age insurance, to open your mind, and actively explore the land capital gains migrant workers, migrant workers housing reverse mortgages, etc., as migrant workers pension insurance financing, endowment insurance of migrant workers in order to build a complete financing system, which not only can reduce the employer, the individual cost burden of migrant workers, but also to promote a new socialist countryside construction, and promote home security system beneficial change.
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