Rural Old-age Security Problems And Countermeasures

With the advent of aging population era, issues concerning old-age care system are inevitable in course of modernization of our country. However, because the rural social old-age insurance system has not been established in the countryside, the issues concerning pension which are most concerned by peasants have not been handled up to now. This thesis analyses some problems in rural old-age insurance. And we endeavor to observe the causes and give some suggestions, so as to achieve the goal that all aging people should be cared. It is also the goal for people in our country for thousands of years. There are four parts as follows.Part one is about the importance of strengthening rural old-age insurance in the countryside. Because of the family planning system, long life-span and the influence of the migrant population, the issue of aging population in the countryside become more urgent than ever. Therefore, to cope with the problems, it is necessary for us to consummate the rural old-age insurance system. As the income gap becoming widened, social market economy developing in the countryside, the construction of socialist new countryside being carried out, we should enhance the rural old-age insurance system. To cope with the problems of agriculture, countryside and peasants effectively, and to construct the harmonious society, we also should enhance the construction of old-age insurance system.The second part is about the problems and their causes of rural old-age insurance system. We analyze the reasons and causes from the following aspects:1. the unevenness of old-age insurance issues between urban areas and rural areas; 2. unfairness of people's development; 3. incoherent development among different districts; 4. unscientific operation models of old-age insurance system. Based on these analyzes, we make our conclusions as follows:1. the basic reason that restrict the full development of old-age insurance is poor economy condition; 2. the main reason that restrict the scientific development of old-age insurance is the lagged system construction; 3. the direct reason that restrict the incoherent development of old-age insurance is the gap between rural areas and urban areas; 4. the most important reason that restrict the initiative development of old-age insurance is the backwardness of operation models.Part three is about the experiences and enlightenment gained from foreign countries. There are some successful old-age insurance models in foreign countries. They are contribution plan of Germany, benefits plan of Sweden, national pension plan of Japan. We can gain some enlightenment to the construction of rural old age security system. The enlightenment is based on the reality of our country and also the experiences derive from other countries. Part four is about some strategies and suggestions to strengthening rural old age security system in our country.1. Raise some concrete measures to rural retirement security, which based on the guiding ideology, goals and principles of rural retirement security in our country; 2. Boost system establishment and sent up long term effective mechanism.3. Improve financing mechanism and broaden financing channel of rural old age security.4. Heighten the overall planning level and ensure the even development of rural old age security system.5. Create initiative operation model and maintain or even add the value of aging pension.6. Tighten the supervision and ensure rural retirement security run in the sunshine.