The Analysis Of Regional Gap Of Chinese Basic Endowment Insurance And The Reflection Of Its Balance

Since reform and opening up policy, China have been existed the unbalanced development strategy in various regions. From the perspective of basic endowment insurance, there is a huge gap and unbalanced status among different regional basic endowment development. With the problem of the aging of the population, how to establish a universal basic endowment insurance , entitle all the people achieve equitable access to national treatment, and enjoy the benefits of reform and opening-up policy , as well as to achieve the social ideas of " all the old people could get security and relies". This is all that we need to think about.This paper, combining theory with empirical research methods, analyzes the date about basic endowment insurance in recent years, uses regional gap analysis tools and indicators of basic endowment insurance, then points out that the causes of regional disparities in Chinese basic endowment insurance and makes some conclusions regarding suggestions and countermeasures promoting equalization of basic endowment insurance.Firstly, this article defines the relative concepts of regional gap in Chinese basic endowment insurance, and analyzes the society functions of basic endowment insurance regarding providing the basic life, keeping the social justice, maintaining social stability and promoting economic development. Secondly, this paper makes an analysis of feasibility and necessity about basic endowment insurance. And the paper describes the phenomena about regional gap of Chinese basic endowment insurance, from the basic endowment insurance coverage, fund accumulation, dependency ratio, the level of wages and pensions, pension insurance and the per capita consumption level of the region. Thirdly, this article interprets the reasons that economy gap, urban and rural gap, industries and crowd segmentation causing the existence of regional disparities in Chinese basic endowment insurance. Lastly, from economic, social and law aspects, this paper makes some conclusions regarding suggestions and countermeasures promoting equalization of basic endowment insurance. At the same time, the paper points out institution arrangements that promoting equalization of basic endowment insurance development. These institution arrangements contain improving coverage rate, optimizing the retirement age and pay level, enhancing the mode of financing and management system and identifying responsible main body.