On Rural Pension Insurance Institution Of Land Circulation Mode

Since the founding of People’s Republic of China in1949, the reform and opening in1979, China’s market economy made remarkable achievements. While people enjoying a rich material and cultural achievements, we also need to see our country is facing the challenge of an aging population. Social and economic development opportunities to the people at the same time it also brings risks, increasing the gap between rich and poor makes the elderly very serious pension problem.Old-age security is the shield to solve the old-age problem of old people; the current relatively healthy old-age security for urban residents, rural residents in old-age security is still being explored. History of rural social endowment insurance on the rural social old-age security in1992and2009the new rural social old-age security, but compared to the social endowment insurance of urban residents, rural social endowment insurance in the protection mode to protect the object, the overall scope, financing, capital operation to protect nature, and many have gaps. How to improve old-age security in rural China will promote the integrity of the overall pension system, which will help gradually to properly solve rural issues in China, and also the construction of new socialist rural question of the meaning.Old-age security system, pension system for urban residents have a national, professional, personal three levels; corresponds to the rural people I think there should be national, collective, individual three levels. Urban areas, this patchwork of three levels to meet the needs of different groups of old-age security, but in the lack of rural old-age security in each state, at present only the national security is not perfect.There is old-age security in rural areas, because farmers have their occupations and demand differentiations now. Farmers according to their dependence on land can be divided into pure farmers, migrant workers and landless peasants. This paper, for the pure farmers and migrant workers, based on their own in rural areas, tries to establish a rural old-age security system. Landless peasants also are included among the rural old-age security system.The core problem of old-age security is pension; the reasonable running of raise pension insurance system is base on operations, management and supervision of pension system. Currently all over the world, to raise the social old-age security payments mainly from the state, employers and individuals in three areas; occupational pension protection Kinder raised mainly from employers and individuals; personal old-age security payments primarily from individuals. Currently exists only in rural social old-age security, the main source of funding individual contributions, collective combination of grants and government subsidies, which are more personal responsibility, and collective, national responsibility is not clear, with the savings that protect more properties protection is not strong.Old-age security for urban residents gets more countries to support the case, then how to build old-age security in rural areas? Old-age security is the key to funding problems, with the absence of government responsibility, how to self-finance of rural old-age security in rural areas is to solve the core issue. Among the most valuable rural property that is land, and land transfer system is currently booming, if the land transfer will be combined with old-age security in rural areas, may support the old-age security an opportunity in rural areas, but also will promote the improvement of rural land of development.In this paper envisaged, farmers land rights shares to the collective economic organizations, in exchange for equity. After the collective economic organizations focus on land, unity of operation and management will have an access to part of land revenue as a share after the day to day living expenses, other part of the pension protection fund to pay the rural old-age insurance for farmers. At the same time if the land transfer income is better, it will provide protection for its farmer’s level of protection. The combination of land transfer and old-age security in rural areas can solve the problem that farmers generally have low incomes, weak self-protection, weak ability to pay old-age insurance accounts, lack of national responsibility and other issues. Meanwhile, the combination of land transfer and old-age security in rural areas not only can provide more protection for fanners, but also the right to return more land to the farmers.