| With the advanced age turns of approach and planned parenthood policy promotes, the country population retired to enjoy life is becoming a problem increasingly outstanding. But our state traditional endowment insurance system mainly aims at the town officers and workers, the country old-age population mainly depends on a family to retire or to enjoy their life with the land for a long time. Accompanying with the town turn's speeding of progress, the variety of country family's structure and the renewal of the farmer's concept of value, family's retiring to enjoy life with the land is weakening gradually. Our state started to practice the country social endowment insurance system in 1992, because of the existence of covered with narrow areas, the level of guarantee is low and the principal who can undertake the responsibility of guarantee is limited, this system has already been place in stagnation in a lot of regions. In the course of constructing middle-class family completely society, setting up the harmonious society, the country endowment insurance problem relates directly to our nation's society guarantee system of sound and along with the realization of harmonious social target.This thesis using the literature method, the relatively study method and the combination of qualitative analysis and quantitative analysis method, first commences from the actuality of the country endowment insurance, sums up the development state, characteristics of the country endowment insurance and existence of key problems, analyses the main reasons of producing of the problem, including history reasons, economic reasons, system reasons and idea reasons etc. Secondly the thesis briefly introduces the development status of foreign country endowment insurance, including the basic circumstances of developed country Germany, France and Japan, developing country's payment endowment insurance system and the non-payment type endowment guarantee system, based on this, sums up the apocalypse of abroad experience of development country endowment insurance to us, including to recognize the basic target for establishment the endowment insurance system, intensifying the responsibility of the government in the system build, pushes forward this system into a legal one and insists on the principle of multilayer etc., these experience has an important reference meaning in our nation'choosing an suitable endowment insurance mode. Then analyzes the possibility and restrict factors of our national country endowment insurance establishment, the possibility mainly includes the increasingly strengthening of the guarantee consciousness of the farmer, the establishment of material foundation with the economic development in our country, like economic total amount and public finance income has changed greatly, the farmers'income grows a lot and collective economy develop more and more quickly etc., also have already had can be provided to draw lessons from of domestic and international relevant of experience and the precept. The restricting factor mainly includes the difference of the economic development of the country district, mainly refers to the difference among farmer's personal income in the east, the west and in the centre, our national whole economic power holds down, and the inconsistency between the huge need of country endowment insurance with the limited supply. In the end, on the basis of analyses before put forward our country endowment insurance mode of our own state, in fact the layering categorize of not- balanced development mode, according to the district difference and the distribute condition of the village labor force, using the way of layering classification resolves the problem of the farmer to retire to enjoy life, finally carry out the fusion and unity of the mode of city and country to retire to enjoy life.At the choice of the mode of country endowment insurance, this thesis firstly puts forward that the way of retiring to enjoy life should categorize choices in different regions. On the basis of the clustering analysis of average national GDP of all persons, the average public finance income of all persons and farmers in all provinces, autonomous regions and direct jurisdiction cities, it arguments that the economic developed regions and relatively developed areas have already had the certain conditions to actively push forward the country socialization of retiring to enjoy life, and these regions must build up and perfect country endowment insurance system in good time. The concrete money raising mode can adopt the way that the society plan as a whole and personal accounts combined together, and personal account practice"complete accumulation ", and the social plan as a whole practice"parts of accumulation ". The key is how to protect the value and increase the value of the insurance fund during the course of the establishment of the system and the implement the process. The economic underdeveloped region and not developed areas should persist and optimize the way of family to retire to enjoy life, and promotes the acculturation of retiring to enjoy life gradually according to voluntary principle. Secondly, it expatiates on the choices of the way that different crowds retire to enjoy life. Setting out from the different characteristics of"pure farmers ", the village business enterprise employees and the farmer workers, it elaborates the decisive problems should be resolved stressfully in the establishing process of the endowment insurance system of the three crowds. Finally, it researches how to realize linking up and unification of the social endowment insurance in cities and countries. To carry out this target, firstly the link up of the endowment insurance should be resolved during the progress toward the citizen by the farmer in the process of town turn. According to current and actual situation of our country, it is hard to carry out the link up and unification of endowment insurance of cities and countries in a long time from now on. However, along with the constitution of endowment insurance system that society plan as a whole and personal accounts combined together in city and country respectively, particularly the establishment of the united society fund plan as a whole, this target will be realized ultimately. |
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