Rural Commercial Old-age Insurance That Laws Promote To

With urbanization advancing rapidly, in addition to the rural socialtransformation in greatly reducing the effectiveness of traditionalendowment way at the same time, the rural old-age security also demandthan before. At this stage, our country still does not have the ability to setup the comprehensive conditions of the rural social security system by theleading of our government. To solve the problem, we must follow theprinciples of multi-channel and multi-step.The party congress proposed anew rural society endowment insurance system of the target at the basis ofrural social development present situation. The commercial endowmentinsurance as a multi-level social security system play an important part inthe development of the rural areas in China and in the rural old-age supportsecurity and also have the essential meaning. We established old-ageinsurance in our country and at the same time, the government shouldalso attach great importance to commercial endowment insurance in ruraldevelopment, construct the diversified, reasonable structure old-agesecurity system to effectively solve the rural population in our country theold-age security problems, and promote the solution of the problem of"agriculture, countryside and farmers".This paper promotes rural commercial endowment insurancedevelopment theory for target from the deceptive of the rural old-agesupport security system construction of the actual needs. We discuss the basic theory of rural commercial endowment insurance of the nature andfunction starting from the first commercial insurance, and further researchshould be incorporated into our country rural commercial endowmentinsurance coverage of the specific object. In contrast to other safeguardway, this paper analyses advantages of the commercial endowmentinsurance in our country rural area and the role and function of commercialendowment insurance in the rural old-age support security system. Thispaper accurately determines the orientation of the commercial endowmentinsurance. Commercial endowment insurance and social endowmentinsurance composed rural old-age support security system and the two goups and downs under the premise of the relationship. In view of theadvantages of commercial endowment insurance, we questioned thesecondary function of the rural old-age support security system. Afteranalysis I think rural society endowment security level is low, and there isa great gap in the actual need of the rural pension. We should vigorouslypromote commercial endowment insurance in rural areas, and can’t take itas a secondary and has neglected the commercial endowment insurance inrural areas in order to exert its advantages as perfect rural old-age securitysystem.This paper proposed to promote the commercial endowmentinsurance development rationalization proposals through the relevantdocuments of access and finishing, from rural commercial endowment insurance premium small, small regional development and analysedfurther restrict the development of rural commercial endowment insuranceof social and political reasons and economic background. With the nationaldevelopment strategy adjustment and government to rural areas the ruralcommercial endowment insurance will get more opportunity to promote.The economic development of rural areas with government policyenvironment change to rural commercial endowment insurance willprovide a wider development space. In this environment, this paper putsforward the legal to promote the commercial endowment insurance ofconcrete opinions. First of all, this paper established to promote thecommercial endowment insurance development, and we should adhere tothe principle of concrete and the guiding ideology, and the concretesuggestions are given the general framework. And then, from the fiscal,taxation, perfect the market mechanism, the further details of the concretecountermeasures are given. The construction of the rural old-age supportsecurity system is an arduous and long-term work, and its proposal toreally realization may need more than ten years and even decades of efforts,and need from the central to local all aspects of participation. Being legalmeans to promote its development also can yet be regarded as a kind ofeffective way and method. I hope this advice to rural old-age supportsecurity system construction can solve this issue in rural areas.