Motivation Mechanism Of Rural Social Pension Insurance

It is difficult to measure the family income, to implement responsibility of employers, or to tell the diversity of the residents'careers in the rural areas in China. Therefore, establishing a proper rural social pension insurance system is very important in establishing social pension insurance system. The key problem is to motivate the rural residents to insure and pay for it on the base of government's limited liability.The present dissertation did research on the new type rural social pension insurance pilot project, analyzed the influencing factors on the rural residents'participation to the insurance, and provided the relation model of the factors. Based on the data of three cites and counties in Hebei which were involved in the case study, the dissertation analyzed the proper payment standard and the economics of rural residents'insurance payments. The major results of the research are as followingFirst, it provides a relation model of influencing factors of the rural residents'participation in the social pension insurance, which could help the further analysis on their decision behavior.Second, based on the theory of economics and management, it analyzed the rural residents'decision on insurance, reached the conclusion that the income and consumption level would decide the insurance payment and expecting insurance level, and the government subsidy and proper level were the major influencing factors.Third, it was found that among the factors of salary, paying capacity, and insurance subsidy, the more developed the place was, the more would the residents focus on the salary, and the less would they care about the subsidy; while residents in the less developed places would give privilege to the subsidy.Fourth, the proper level of performance was deducted and a theoretic value range and measure model were provided, which could be used to identify the financing level.Fifth, an evaluation method is proposed to measure the economics of social pension insurance items, which illustrates why did most rural residents choose the cheapest social pension insurance. Meanwhile, the research provides the analysis device for the adjustment of basic pension and the distributions of subsidy which are on the base of fixed financing and proper return.