The Research Of Rural Social Endowment Insurance System

At Present with the increasing intensification of old aging, aging security problem more and more becomes a global issue. China has the largest population in the world. At the same time, China is the country that has the largest aging population in the world. With the arrival of the new century, China has already fallen in the old aging society. Therefore, aging security has become a problem which is of vital importance to the nation's economy and the people's livelihood. China owns twenty-two percent of the population of the world, of which about sixty percent are farmers. With the growth of industrialization and urbanization as well as the changing of rural family structure and the youth's notion of providing for the aged, the function of the family, which traditionally performs in supporting the aged, has been declining, and thus the problem of providing for the rural aged has became a difficult issue, which is also an obstacle to the improving of peasants' income as well as the development of agriculture and rural economy of China. Since the foundation of the new country, China has experienced three great changes in the modes of providing for the rural aged. Until now a standardized social security system for the old age in rural China has not yet taken clear shape, which is greatly inconsistent with the central government's goal of constructing a harmonious society.This article start with the CCTV's news report, summarized analysis six reasons about the peasant laborer queuing to exit society endowment insurance:Urban old-age insurance system for peasant laborer asking for too much, Urban and rural social security can not effective convergence, Local protectionism exist, Peasant laborer to have doubts about society endowment insurance, The heavy burden of personal insurance, Draws back insurance may solve the urgent matter; Then, we elaborated the concept, type and the historical evolution of the rural pension system, analyzing the situation and characteristic of the rural pension system in china, and then gave a brief introduction of countryside social security systems which have been carried on by some representative nations in the world, from which obtains the corresponding experiences. at last, we proposed a comprehensive social insurance system in rural areas of specific systems:(1) the scope of application and the protection of the object with the existing old-age insurance system for urban workers complement each other; (2) the mobilization of the rural old-age insurance premiums more flexible; (3) personal accounts of rural endowment insurance management more easy; (4) receives the pension of rural social endowment insurance on more relaxed conditions; (5) Has designed a set fairly the rural community retirement insurance money computation means which fair and efficiency, Got rid in present city old-age insurance system the retirees pension to make the adjustment non-periodically tedious; (6) on this basis, to deferred to the countryside old-age insurance system computation pension which designed to carry on has explained with examples; (7) has devised briefly with the city and countryside old-age insurance system and axle's concerned requirements. Finally formulates the city and countryside old-age insurance system engagement and the transformed content and the model.