Study Of Rural Endowment Insurance Legal System

Our country already marched into the aging society, the countryside aging degree is especially serious, the land income drops, the farmer goes out hiring out for working, the family structure and scale change, the traditional family retirement pattern starts to disintegrate, the farmer cares for the aged the question to be day by day urgent.Although our country countryside old-age insurance underwent several dozens year development, but was still at the exploration stage, has not formed the consummation, system's legal framework.The construction consummates our country countryside old-age insurance legal regime as soon as possible, regarding safeguards the farmer senior citizen's basic life, adapts the rural economic development present situation,transforms farmer's traditional ideas, promotes the rural economic development and the social progress, maintains the countryside to be stable, further advances the city and countryside integration to have the profound significance. This article divides into four parts:The first part,elaborated countryside old-age insurance legal regime's some basic questions。Has analyzed the countryside old-age insurance legal regime's connotation first;Then introduced the countryside legal regime's production, the countryside old-age insurance legal regime is after the city old-age insurance produces, is the industrialization, the urbanization achieves time certain level only then establishes;Finally reviewed our country countryside old-age insurance system's historical evolution, in our country countryside old-age insurance's pilot work, various areas acts according to the local actual situation, explored three kind of countryside old-age insurance pattern, was following closely is implementation which the new agriculture guaranteed.The following is new countryside old-age insurance system's implementation.The second part,elaborated our country present stage countryside old-age insurance legal regime.Has analyzed the significance which the new countryside old-age insurance system implements,the new countryside old-age insurance system new agriculture guarantees is our country's item of significant Huimin policy;Then elaborated the new countryside old-age insurance system in the regional implementation situation, regional new countryside old-age insurance system's difference;Finally elaborated peasant laborer's old-age insurance condition emphatically.The third part,elaborated our country countryside old-age insurance legal regime's insufficiency.Our country countryside old-age insurance law legislation level is low,they are mainly the administrative rules and regulations, the rules and regulations as well as various local laws and regulations,these laws have not formed a reasonable legal framework;The countryside old-age insurance system implements the volunteer principle, has not implemented the compulsory principle;The coverage is not high and the safeguard level is low,they have not manifested the old-age insurance system's sociality;Had not stipulated explicitly to the national overall plan;Insurance fund's increment channel are few,The ability of fund inflation-proofing and appreciation ability is low.The fourth part,elaborated the constructs question which our country countryside old-age insurance legal regime should pay attention.Through analysis overseas countryside old-age insurance system,we can obtain constructing our country countryside old-age insurance system's enlightenment;Regarding our country countryside old-age insurance legislation pattern choice,we should adopt legislates alone the pattern,then formulates "Countryside Retirement Law of insurance".Finally is about the system design aspect consummation,the fund originates, the fund increment channel, the management mechanism, the relief mechanism consummation.