The Study On The Governmental Responsibility Of Developing Village Endowment Insurance

Our country is being placed in the developmental period of both opportunity and challenge at present, the car wheel of economy pushes the society progress by unprecedented speed, the real strength of our nation is gradually strong. But we also face the rigorous fact of the gap extending between person and person, between region and region, between city and village in the meantime. We notice that the government starts pay attention to people's livelihood from"two meetings"of this year. Shortening the gap between rich and poor, protecting minority community will become a governmental work point later. One theory thinks if it compares the social developing to be a car, the economic growth is a "launch machine" ,but the social security is a "stability machine", our social resources should not only use on "launch machine", but also "stability machine". Our country follow the development principles which insisted in "the efficiency have the initiative, give attention to both fair" in the two decade, put the vision of concern mainly at economy development, Social security construction at system innovation and layer expansion didn't keep up with the step of social development. Especially in our village, the large farmers are being insulated in the overlay scope of society security outside over a long period of time. Moreover, the aging population problem by other countries meet in the industrialization progress expresses more seriously in our country, it main performance at:The old-age population scale is huge; the aging population problem development speed is very quick; the development of the aging population problem in different region is very unbalance; the seriousness of the aging population problem is that city and village set upside down; it means that the village's aging population problem is more serious than the town's; the aging population problem runs before at the modernization and our country is a typical"enrich first old"nation. It is clear that the rigorous of the aging population problem in our village exceeds in the town. on the contrary, the endowment insurance system of our country mainly overlays in the town and large old people in the village only depend on the family mode based on land guarantee, but this kind of mode also start to lose effect in the village along with the social development. So we have to change an existing family mode to society mode at present, get rid of the dualistic guarantee system between the city and village, bring into the farmer to the overlay of social endowment insurance scope inside, and make it practical to enjoy the development result of the economy. It not only is inevitable measure for solving the aging population crisis in our country of, but also is a concrete performance of the equity, superiority of the socialism system.After Making sure the target of the endowment insurance of the development village, how we develop village endowment insurance, as to the study of this problem, we follow thus of logic system to launch treatise one by one.First, this text think, the construction of the system of the village endowment insurance need government strongly get involved then can carry out, developing village endowment insurance is the request of modern government responsibility principle, modern government of the responsibility principle experienced the development process from "limited government" to "responsible government", government's devotion ability in the social guarantee also continuously strengthens, the government has already completed to change toward "babysitter" role from "night watchman", modern government of social guarantee function already unprecedented and strong; Developing village endowment insurance is also the actual measure of the government protecting farmer benefits, because of the exploitation and oppression by feudal system over several thousand years, Chinese farmer become very law-abiding of personality characteristics, add of The knowledge level of them be relatively lowly, make the benefits expression ability of this group very lowly, they have already become the minority community that can't deny in Chinese society, from this point, for the protection of farmer benefits, the government should active to set up endowment insurance system for them, solve the sorrow of the old age life of farmer.In the second, after confirming the necessity of the government gets involved the village endowment insurance, this text analyzed present condition and the reason that the government responsibility to undertake in the course of solving the problem of the farmer retire to enjoy life of in the current village. In the village, although it practiced village endowment insurance system (the old mode),and its basic principle set up was "personal pay the fee mainly and collectively subsidize in order to assist, the nation gives a policy to support", because of the government's responsibility to undertook not enough, this kind of endowment insurance actually becomes one kind of a mode of saving by one's own, and its guarantee ability is very limited ,many farmers withdrew this endowment insurance system at last. Recently, some village that the economy flourishing circumlittoral starts carry on the new village endowment insurance system (the new mode), its principle is"personal pay a part, collectively subsidize a part, the government subsidize one part of money", it is the first time that lead public finance into "feed parents" in the village endowment insurance realm, make the farmer from the land guarantee and ego guarantee change to the social guarantee. From the long view, the new mode's development foreground is better, it can provide experience guidebook for developing village endowment insurance in our country, but this kind of insurance mode after all overlay small scope, and is hard to solve large farmer's widespread demand for social endowment insurance. Moreover, the social welfare system of village also called "five protect" as a beneficial complement to the village endowment insurance system, because of above-mentioned reason that overlay scope limited and the guarantee level relatively lowly, is hard to cope with the aging population crisis. Summary to say, we can affirm, the government responsibility to undertake in the village endowment insurance is not enough, or lack, this kind of responsibility lacks seriously restrict the development of village endowment insurance at present, have disadvantage in for coping with village increasingly serious aging population crisis, it is necessary to change the reality of the government's responsibility lacks, increase the devotion strength of government, and transform governmental support into governmental predomination, Only in this way, the village endowment insurance would succeed to get up.In fact, the shortage of government responsibility in the village endowment insurance mainly lies in some host and guest factors. The objective reason is very obvious that the economic level of our nation is low-rise, in the beginning it is incapable to establishment integral endowment insurance system including the farmers, firstly satisfying town residents of the social endowment insurance need is the measure of expediency, is also the widespread fact that all countries develop endowment insurance. Moreover there is some subjective reason, mainly about the developing village endowment insurance is not enough value, but the rigorous of the current village, also force these people begin to give up the false idea gradually in past.In the third, knowing of the necessity that the government get involved the village endowment insurance, this text emphasized to analyze the concrete governmental responsibility to undertake in the course of developing village endowment insurance. (1) Guiding farmer change idea to develop and make it accept endowment insurance consciousness.(2) Pushing the economy develop in phase to provide a material condition for developing village endowment insurance. (3) Perfecting the related law system to provide a law frame for the village endowment insurance. (4) Providing enough public finance and policy support to develop the village endowment insurance smoothly. (5) Consummating the government function of monitor and management to provide a protection for the valid movement of village endowment insurance system. (6) Moderating the responsibility relation of related benefits body to provide a harmonious environment for development of the village endowment insurance.At last, this text initiate we should hold tight the current opportunity, exert the governmental responsibility effectively, and push forward village endowment insurance steadily. Our final aim is establishing an overall, fair, valid village endowment insurance system.