A Study Of Endowment Insurance Of Peasant Workers In The Urban-rural Dual Social Security System

Although peasant workers have made great contribution to national economic development and social progress, they can not enjoy endowment insurance. When urban workers’endowment insurance is perfect and the new type of farmers’ endowment insurance has come, the endowment insurance of peasant workers has not appeared. The participant rate of their endowment insurance is always low. Social harmony is the goal of our country. But when so much people’s insurance haven’t been solve, how to realize social harmony?In the early days of republic, our country chose such economic development strategy as agriculture support industry. Such strategy leads to dual-economic trajectory. Dual-economic trajectory also leads to dual-society and dual-population. So social security system can’t unity. With the development of social economy, the gap of social, economic and population is more and more big. At present, the difference between the urban and rural social security system has both the quality and the form. This difference comes from demographic characteristics. But peasant workers are different from both citizens and farmers in the aspect of identity characteristic, professional characteristics and flow characteristics. They had become an independent social unity. So they neither been brought into urban endowment insurance nor been brought into rural endowment insurance. First, their low-income can not meet the high charge standard urban endowment insurance. Second, their liquidity can not meet the fixed payment deadline. Third, the characteristics of their income can’t meet the collection manner of the urban endowment insurance. Forth, the simplicity of our endowment insurance can’t meet the complexity of their insurance demand.In conclusion, the design of peasant endowment insurance must in accordance with their group characteristics. Therefore, we must break the policy makers thinking inertia and realize the system innovation. In my opinion, such system innovation should be in two steps. The first step, bring respectively the peasant workers who has meet the qualification of urban and rural endowment insurance into urban and rural endowment insurance system. The second step is that design a new insurance system for the rest of peasants. In the first step, we put the peasant farmers who meet the qualification of low-income, unstable-income and rarely flowing into the rural endowment insurance. We put the peasant farmers who meet the qualification of high-income, having fixed units and rarely flowing into the urban endowment insurance. In the second step, we will design a new endowment insurance which must meet the following conditions. The first condition is that such endowment insurance must in accordance with our country’s overall development trend and principle. The second condition is that such insurance must make the urban endowment insurance as a reference. The third condition is that the design of such insurance must consider low-income, unstable-income, flowing across the province, older great risk of peasant workers. So the design of the peasant workers endowment insurance is a huge project.