Rural Endowment Insurance Modes

To establish the social security system is the government's responsibility. The basic objective of the social security is to guarantee the continual development of productivity. After the foundation of market economy system, the government progressively set up the general medical care, endowment assurance, unemployment , insurance, employment injury insurance and birth insurance in the city. Meanwhile, the government has established the system of insuring basic living standard for city residents. But because of the historical reason and dual economy in the cities and the rural areas, the social security system in the countryside is undeveloped and the peasants are in the weak condition in the society.The sixteenth National People' s Congress said: to establish the social security that fits the economic development level is the important assurance for the stability of society and the security of the nation. Each area should reasonably determine the standard and level of social security on the basis of the objective reality to develop the social and welfare services. Moreover, the areas that match condition should build up the rural endowment insurance, medical care and the system of insuring basic living standard for rural residents.At present, family security is the main pattern in the rural areas. But along with the change of the rural community and rural family income, the family security pattern gets heavy impact. The civil administration organ carried out the basic program of rural social pension insurance in January, 1992. However, it did not make the rural social pension insurance spread, the rate of taking part in the rural social pension insurance was getting lower and lower instead. Those above make me reflect on the issue about the pattern of the rural pension insurance. What kind of pattern can exactly solve the problem of rural endowment insurance. Why the practice of the rural social pension insurance did not succeed, is it due to the rural social pension insurance system itself unreasonable or the rural areas did not match condition of carrying out the social pension insurance system yet. Thus, I want to find out the suit pattern by the article. This paper consists of five chapters. The first is the introduction section, in this section I briefly introduce the purpose, significance and some related summary of the article. In the second section I review the process of the change of the rural pension insurance pattern. In the third section I analyze the present conditions and disadvantages of the rural pension insurance pattern. In addition, I summarize some experience in the developed areas of our country. In the forth section, I summarize other countries' experience by distinguishing the developing countries and the developed countries. At last, on the base of analyzing the restricted factors in establishing the rural social pension insurance, we should set up a multifaceted pension pattern instead of establishing a centralized rural social pension insurance pattern.The paper proposes the establishment of a multi-level model of the rural old-age insurance thinking. This multi-level pension is not a simple way to merge multiple, but the pension needs of different groups in different regions a combination of a variety of styles.