The Research On Rural Endowment Insurance System In China

Because China’s Urban-Rural dual endowment insurance system, the rural pension insurance system lagging development in China, which not only affects the free movement of labor, influence the rural productivity development, but also hindered the development process of urbanization in China. The new system of rural endowment insurance, opens our country on the rural old-age insurance system is a new stage of development. The rural old-age insurance system of development and perfection of endowment insurance system, urban and rural harmonious development brought hope and laid a foundation.The main idea of this paper is divided into three parts, that is the past our system of rural endowment insurance development status, the current system of rural endowment insurance in weaknesses, and the future development of the rural old-age insurance system with dynamic development outlook, expounds the development of the rural old-age insurance system. First, after reviewing the founding of the rural old-age insurance system is based on the development process of the rural old-age insurance system, summarized the characteristics of rural old-age insurance system, our country rural old-age insurance system will break through the traditional path dependence and take a new road of development. Using a system supply and system demand theory, analyses the rural old-age insurance system change, the causes, namely with China’s development of rural economy and the traditional family pension mode in China to weaken, rural social endowment insurance system, and the demand is urgent supply system of rural endowment insurance is insufficient, the system of supply and demand in China unbalanced promotes the development of the rural old-age insurance system.Second, China’s current system of rural endowment insurance, namely in 2009 pilot of the implementation of the new system of rural endowment insurance, has certain advantages, take the society plans as a whole and individual account of combining the contribution model, not only the government first clear responsibilities and different capture expends class free choice, many capture much, little, pay less for beneficiaries of great incentive significance. This is not only beneficial to our system of rural endowment insurance, but also the future sustainable development between rural and urban endowment insurance system of the effective connection. But the new rural old-age insurance system is still exists drawbacks, lower level of overall planning bring some limitations to solve the system of rural endowment insurance management problems, play the endowment insurance system self-insurance function, solve different types of endowment insurance system linking problem, and effective solving labor cross-regional floating across the province, when the conversion of endowment insurance relation.Again, in view of the existing system of rural endowment insurance in our country, the defects of the system of rural endowment insurance future development plan. The rural old-age insurance system in our country, but no longer walk alone urban and rural development of endowment insurance system overall development path. But this goal is not achieved overnight, and should be gradual, phases and press steps launched. China should improve the rural old-age insurance system is based on the level of overall planning, do all kinds of endowment insurance system of the cohesion work, perfecting laws and regulations, improve the management mechanism, for urban and rural old-age insurance system overall development lay the foundation. On this basis, China’s next arrangement will realize urban and rural old-age insurance system is the overall development. Currently, some developed region also has explored the urban and rural endowment insurance as a whole for the development of our Country, the system of comprehensive to implement such a system provides reliable reference basis and practical basis. In both urban and rural endowment insurance system as whole stages of development, our country should actively explore feasible endowment insurance gold pays mode, the raising and improve the management system and legal system. And publish corresponding measures to promote urban and rural old-age insurance system is rapid, healthy and harmonious development.