Research On Urban And Rural Basic Pension Unitary Contribution Rate

With the establishment and development of urban and rural residents social endowment insurance system,our country has preliminarily established endowment insurance system covering urban and rural,the target of expanding coverage of social endowment insurance has been achieved. Urban and rural pooling of social endowment is the basic direction of endowment insurance system,endowment insurance’s three reforms including unified endowment insurance system of urban and rural residents and Mergence of Public Institution’s Pension and connection of urban and rural endowment insurance are important practices of urban and rural endowment insurance’s pooling.The article discusses the unified mode of urban and rural endowment insurance’s poolingand adjustment path of unified urban and rural endowment insurance, which will provide a scientific basis and reasonable standards for urban and rural endowment insurance’s pooling.The segmentation of urban and rural endowment insurance is produced under the dual economic structure, as the government fiscal irresponsibility for rural endowment insurance gradually strengthen. With the dual economic structure, transformation and ripe industry nurturing agriculture, urban and rural endowment insurance’s pooling is the basic requirement forpromotingsocial and economic sustainable development.At present, China’s endowment insurance system has unified system model ofsocial pool and individual account’s combination, the segmentation of urban and rural endowment insurance mainly embodied in contribution and payment level gap.The key of urban and rural endowment insurance’s pooling is the unification of the "quantity",under the condition of economic development gap between urban and rural areas, urban and rural endowment insurance’s pooling should realize the relative amounts of consistency.The paper puts forward the theory point of view that is unified the urban and rural basic endowment insurance contribution rate, from reasonable income distribution structure,combined with the basic endowment insurance micro function orientation,build a moderate basic endowment insurance contribution rate model, and usecontribution moderate level as the basic standard, determine the unified urban and rural basic endowment insurance contribution rate level and adjustment paths of unified contribution rate, further arguments rationality and feasibility of the unified contribution rate, makes an empirical analysis on effectsof unified contribution rate’s implementation, provides the reasonable basis and related policy suggestions for the urban and rural endowment insurance’s pooling.Research on unified urban and rural basic endowment insurance contribution rate, adjustment path, feasibility and implementation effect,the paper draw the following basic conclusion:unifiedcontribution rate is the basic requirement of urban and rural endowment insurance’s pooling;Basic endowment insurance contribution modest is standardof unified contribution rate;The adjustment path of unified contribution rateis fited tocontribution ability;Unified contribution ratehas the effects as the economic growth and welfare improvement and positive income redistribution and other positive effects.The full text chapters are arranged as following:Chapter 1 is the introduction.Mainly introduces the background and significanceof selected topic, domestic and foreign research review, research methods and research ideas and research innovation and inadequate.Chapter 2 is the basic theory of unified contribution rate.Focus on theoretical basisof unified contribution rate, including urban and rural endowment insurance’s pooling to interact with the dual economic structure theory,survival andlabor equity theory and endowment insurance modest contribution level theory and endowment insurance life cycle compensation theory, there are interrelation and progressive relation among theories.The chapter answered such questions as the reason ofunified contribution rate, unified contribution level and the implementation path of contribution unified rate, etc.Chapter 3 is the current situation of endowment insurance contribution, unified endowment insurance contribution’s motivation and standards.Analysis of urban and rural endowment insurance division evolution path, current situation and existing problems, focusing on motivation of unified urban and rural basic endowment insurance contribution rate and reasonable standard.Chapter 4 is the moderate basic endowment insurance contribution rate model and the empirical analysis.This chapter focuses on the urban and rural basic endowment insurance contribution moderate levels, provide reasonable standards for unifiedcontribution rate.This chapter based on purpose of the income distribution structure and microscopic function orientation, build moderate basic endowment insurance contribution rate model, and makes an empirical analysis of urban and rural basic endowment insurance modest contribution rate, and the modest contribution rate measurement test and contribution and payment of the balance.Chapter 5 is the unified contribution rate of basic endowment insurance and adjustment path. According to modest contribution rate,this chapter determines unified contribution rate level.Aaccording to the development trend of labor production factor distribution coefficient,the chapter puts forward the unified "two-stage" adjustment path and implementation mechanism of urban and rural basic endowment insurance contribution rate, further verify the balance between, contribution and payment under unified contribution rate’s adjustment path.Chapter 6 is the unified contribution ratefits tocontribution ability.Focus on the contribution burden feasibility of unified adjustment path. The chapter puts forward fiscal subsidies moderate level model,verifying the rationality of adjustment path of fiscal subsidies.At the same time, we build enterprise endowment insurance and individual endowment insurance contribution ability model, analysis ability and payment needs fit together.Chapter 7 is the effect analysis of unified basic endowment insurance contribution rate. This chapter discusses the effects of unified contribution rate’s implementation, including promoting economic growth, welfare improvement of endowment insurance of urban and rural docking and income redistribution effect, validating the rationality of the unified contribution rate.Chapter 8 is the conclusion and policy Suggestions, combined with the basic conclusions, the chapter puts forward the relative policy Suggestions such as promotion methods of labor factor distribution coefficient, the path of national endowment insurance pooling and reasonable sharing mechanism of financial subsidy and adjustment path and supplementary old-age security.