Research On Chinese Rural Old-age Security Insurance System

Nowadays, the problems confronting China's rural old-age insurance are increasingly outstanding and critical. Based on the full understanding of China's fundamental realities, to explore the construction of old-age social insurance system compatible with rural economic development has been the paramount and intractable one against other tasks to pierce through 'Agriculture, Rural community and Peasants' issues, facilitate rural social & economic reform and overall development, and build harmonious society. Not only should striving to execute this task induce theoretic significances, but also satisfy the present and long-term requirements.On the background of China's economic transition, this article respectively regards the rural market economy and the existing social old-age insurance theories as the starting point and basis, uses the beneficial theoretical and practical experience of rural old-age insurance system in other countries as reference. Putting China's rural social old-age insurance system under the background of dual-economy homogeneity and scientific development vision, this paper unidirectional and systematically studies on China's rural old-age insurance system. Through review of historical evolvement of China's rural old-age insurance institutions and analysis of current situation and existing problems, the study focuses on the economic feasibility of implementing the old-age insurance system in Chinese rural areas in an all-round way and also puts forward a new thought and scheme of establishing the rural old-age insurance system in China and designs some transiting modes of rural old-age insurance which suits for different conditions. The author hopes to offer theoretical foundation and reference for the establishment of single old-age pension system suitable for both urban and suburb areas.Based on the above-mentioned thoughts, the paper is arranged as following chapters.Chapter 1: Profile. This chapter elaborates the research motivations, purposes and significances; and reviews the abroad and domestic research status in this field, puts forward the basic approaches of this study.Chapter 2: The general theoretical analysis of rural old-age insurance system. Firstly, this chapter defines some conceptions such as social security, rural old-age rising, and rural old-age social insurance. Secondly the chapter analyzes the function, and status of rural old-age social insurance system. Finally, the chapter introduces the theoretical frame of Marxism and western elite authors on social security, which lays the theoretical base to construction of China's rural old-age social security system.Chapter 3: International Comparison on rural old-age insurance systems and its revelation. First, this chapter makes a vertical comparison of the insurance systems in some typical countries. The conclusion from the comparison is that the Chinese reality must be fully taken into account when an old-age insurance system is established in China. During above process, the legislation must be established firstly and then multiple funds-raising channels must be emphasized and strengthened.Chapter 4: The current situation, problem and restrictive factors of Chinese rural old-age insurance system. This chapter presents the current situation by surveying the initial, exploring, developing and declining phrases of the rural old-age insurance, and analyzes existing problems and some institutional factors which hinder old-age insurance development.Chapter 5: Analysis on the realistic significances and feasibility to establish the rural old-age security system. This chapter chiefly states the social, population safety; economic and rural modernization significances brought by building rural old-age social security system, and analyze practice necessities and economic feasibility to establish the rural old-age insurance system. It concludes that the economic and social preconditions to establish multi-tiered rural old-age social security have been fulfilled in present phase.Chapter 6: Practice measures to establish Chinese rural old-age security system. Firstly, this chapter provides the general idea and principles to establish the rural old-age insurance system, and casts 'shifting modes' to construct such system according to China's rural economic developing level. In different areas with different developing level, we should establish rural old-age social insurance based on family providing and diversified with national security, community security, social security, commercial security and individual savings. Finally, this paper delivers relevant policy advice on how to smoothly implement such system.