China's Rural Social Endowment Insurance Financing Model

With the continuous development of China's marketing mechanism, it stimulates the rural marketing economy gradually develops, the demands of social security system become more and more pressing. At present, China's social security system in rural areas is in a serious absence, it hampered China's rural economic development, the rural social pension insurance is the most important part of the rural social security system, while the key to solve rural social pension insurance is raising funds.This article first analyzes China's current financing models for rural social pension insurance as well as the problems it has. Analyze the modes of financing of rural pension insurance problems from the source of funds, the fund-raising levels and the management of funds.And then analyze the Macroeconomic factors of the constraints of China's rural social pension insurance fund-raising, first an analysis of China's overall economic situation, although China's economy develops rapidly, the economic aggregate has been greatly improved, but China's per capita amount is small, most of them are not wealthy, particularly in rural areas, it develops slowly, most of the farmers have no money left for pension insurance, and there are still some imbalances in regional development. At the same time, we take urban-rural dual structure as our long-term development strategy in the social structure, so as to make our country's social pension insurance system formed a binary sub-rule situation, our country's strategic focus has always been on urban developments, leading to our long-term rural social pension insurance absence. The city's rapid developments also attracted a large number of Migrant workers come to city, and a large number of population movements has brought new challenges for rural social endowment insurance fund-raising, most of the migrant workers are young adults, so the age structure of rural population has shown in old age, youth, women and children-based phenomenon, it is a constraint on rural social endowment insurance fund financing. And with the aging of our population, the pressure increasing, this phenomenon is even more serious in rural areas, and has brought an enormous problem for rural areas. The traditional concepts also restricting the rural social endowment insurance fund raising, it is easy for people to foster a strong family values if they establish a family pension model for a long time, while the social pension model, are considered to emphasize the responsibility the state and society for the individuals, of course, it requires individuals'obligations to the community and the country.The article also introduces some abroad rural social endowment insurance financing models, according to developing status and national conditions, we can separate it into developed and developing countries, it introduces every country's'rural social endowment insurance financing mode and its successes and inadequacies in details, and targeted propose points can reference experience.Finally, in connection with China's rural social endowment insurance fund optimization to make a few practical suggestions...