An Research On Urban An Rural Residents’ Pension Insurance System Under The Coordination View

China has entered the middle stage of industrialization, the common views about industry regurgitation-feeding agriculture、city support country、maintain coordinated development in rural and urban regions have shaped. Under this balance between urban and rural, besides, with the tendency of the aging of population, China’s Social security system has stepped into a new phases. In this phase, the destination of the reform of Social security system is through change the past dual pattern and integrates fragmented system design to achieve the system between city and countryside is unified. At this moment, the most important thing we must to do is to make the endowment insurance system coordinated growth between urban and rural come true.This article researches the Urban and Rural Residents’Pension Insurance System, which is trial implementing in China, under the coordination view. Author reviewed relevant researches and theories to find out logical view and method for this research. Author searched the peculiarity and regular pattern of how to balance the endowment insurance between urban and rural in developed countries and developing countries, and then, author through analyzed the three models of overall plans for urban and rural old-age insurance and the development tendency of endowment insurance system to summed up enlightenments of the ways for coordinate the endowment insurance between urban and rural in our country. Author researched the four system designs further, which is being piloted in four different districts in our country. By compared this four designs, author summed up the similarities and differences between theses and the issues which have to be resolved. Based on theses researches, author analyzed the Urban and Rural Residents’Pension Insurance in the city of Kaiyuan,Yunnan Province, detailed, include the backgrounds (politics、economic society、the working condition of Social security、the specific system designs、the significance of perform this designs and the replacement rate of this designs, and then, author came to a conclusion is that the replacement rate of the Urban and Rural Residents’ Pension Insurance in Kaiyuan is too low. After that, author analyzed the supply capacity of the Basic Pension in the range of country and the payment capacity of the residents in the city of Kaiyuan. Lastly, author suggested the ways to improve the Urban and Rural Residents’Pension Insurance in Kaiyuan are these:accelerate the progress of prefecture region economy to promote the payment capacity of urban and rural residents, primarily; secondly, aggrandize financial subsidies to make the Basic Pension elevated; thirdly, change the existing pattern of payment, which is bind with fixed amount to a new way of payment, which is based on the level of the average incomes of urban and rural residents last year and is a portion of this and will fluctuate with this; fourthly, through system design to encourage extend the number of years of payment、advance the level of payment and delay the years of get pension; Fifthly, structure the connection between this system and other social endowment insurances; sixthly, optimize rules of investment and management to ensure the preserve or increase of the Social Security Fund.