Study On Mechanism Of Rural Social Pension Insurance

Setting up and amplifying the rural social pension insurance mechanism is the essential terms for the rural old man to adapt to the new situations .At present rural social pension insurance system has been not set up in a lot of countrysides in our country, Although there are some places where it has been set up, the system has some problem such as the coverage rate little, regional uneven, unreasonable operating mechanism, legislating lagging behind the practices etc. many reasons in many aspects Cause these question but the main reason is the unreasonable financial funds mechanism, the preserve value and raise value and supervise and management mechanism. The academic research has paid close attention to the urban social endowment insurance mechanism for a long time, But pay poor attention to the rural social pension insurance mechanism ,thus influenced the theory to the guide the practice. It has important theory and practice meanings to set up the rural social pension insurance mechanism . The paper consists of the five sections as follows: The first part, foreword . From rural realistic condition of our country, propose perfecting rural social pension insurance mechanism necessity and urgency, make brief introduction on the rural social endowment insurance mechanism research states both at home and abroad, and the main method of the thesis . The second part:rural social pension insurance mechanism general theory analysis. Define the intension of the rural social endowment insurance mechanism at first, explain the composition key element of the rural social endowment insurance mechanism and basic content . Secondly propose the theoretical foundation about perfecting the rural social pension insurance, Markets failure theory, government failure theory, risk management theory, the economic welfare theory and Marxism social security theory mainly.The third part,The rural social pension insurance mechanism state analysis of our country. By observing the three stages of rural social pension insurance development of our country, summarize the characteristic of the rural social pension insurance mechanism of our country; conclud the rural innovation of mechanism of social endowment insurance of all parts practice of our country; point out the defect existing in rural social pension insurance mechanism , which shows in the following several aspects mainly: Mechanism of raising funds is unreasonable and unfair; It is not perfect to supervise the mechanism of management, unable to guarantee that funds are safe; The investment environment is bad, to preserve value is difficult ;The legal mechanism is imperfect The fourth part,Foreign rural social pension insurance mechanism and enlightenning. In analyzing Japan ,France, Polands and Germanies,then summary the enlightenment that foreign give on innovation of social pension insurance mechanism of our country: The coverage rate is wide, extensive; The pool in urban and rural areas develops social pension insurance; Mechanism of raising funds is pluralistic, goal diversification; Management science ization, legalization ; The hyperplasia mechanism is safe to be effective to preserve value; Set up special organizations to manage the rural social pension insurance. The fifth part, The innovation of the rural social pension insurance mechanism of our country. (1)explain the principle of innovation of the mechanism of the social pension insurance, such as The progressively integrated principle in urban and rural areas; The fund-raising principles of country, the collective, personal rational burden; Suit measures to local conditions, classify the principle of advancing ; The principle of management science ; Combine the principle with efficiency safely. (2)The innovation of mechanism of the rural social pension insurance is imagined. First, proposed regarding the country, a person as the main collective and subsidizing the fund-raising new mechanism in order to be complemented, Have make clear that has operated the method, relevant supplementary measure a...