Research On The Convergence Of Basic Endowment Insurance System Of Urban And Rural In China

The society has a significant feature of the urban-rural dual structure in china, which was caused by the unbalanced development of social and economic.There are the same characteristic on the old-age insurance system in our country.The old-age system in urban experienced the reform of Planned economy to Market economy. Social collection and personal account model has been established and was improving.The converage rate of old-age insurance are expanding gradually,The level of pension raised every year.However,the situation in rural areas are terrible.more and more peasants who lose land don’t have any social security,so as to the migrant workers. The old-age insurance system was low-level and unsustainable.New-pattern social insurance system for aged in rural areas was just in the stage of piloting.Many insured population can’t transform their pension rights and interset when they change the works or become urban residents.Finally.The chose to quit the social insurance system with losing their pension rights.This problem has caught the government’s attention, The report of the Seventeenth National Congress require that it must to establish transferable old-age insurance system.so it is urgent to build the convergence mechanism of basic old-age insurance system in urban and rural areas.This article discussed how to convergence the old-age insurance system between urban and rural ares. Including the the convergence of the fund management, payment standard and the treatment level, For the purpose of breaking the urban-rural split.The insured people can transfer the old-age relationship and premiums smoothly, at the time can reduce portable losses. This paper analyzed the necessity and feasibility of the pension insurance system in China to establish convergence of urban and rural areas. The reason and the adverse consequences of the uneven development of the pension insurance system was exposed in this paper.Finally we Summed up the convergence program According to local exploration. I hope it willl play a role in the forthcoming national pension convergence policy.The article includes six parts:In the first part, Introduced the background of the urban and rural old-age insurance system for the study of convergence, the theoretical foundation and research status at home and abroad.Combing the views of scholars on the subject and summarize the existing research does not solve the problem.Second part introduced the process of the formation and development of basic pension for urban residents, rural residents, migrant workers pension and other people.Though that we can know that how the fragmentation of the pension system are established.we also analysis the imbalance of insurance rates, treatment level of government subsidies.The conclusion is that it is necessary to make convergence policy.It will contribute to push the labor mobility.It also is help for maintaining the financial equilibrium.In the third part,we mainly Introduce the feasibility of convergence.The advantage is government’s closey attention and increase in Residents’ income and State revenue.Of couse there are some disadvantage.such as the household registration system, land-tenure system and so on.They are all different between urban and rural.It hinded the process of convergence. This is an important part of this article.Part four, we ummarizes the exploration of the cities on the convergence of urban and rural pension, sum up experience and lack of convergence of the pension system from different groups, analysis of the merger of the Case of Chengdu, Chongqing farmer workers pension system for urban workers pension, Zhejiang, landless peasants and urban workerspension, the convergence of the new agricultural insurance system policy and Beijing to cover the practice of old-age insurance system for urban and rural residents. And summarizes the experience is worth learning and the problems. Also the convergence of foreign urban and rural endowment insurance system introduced abroad to implement three types of urban and rural old-age mode of convergence. On the convergence of pension benefits, the EU segmentation method of calculation can give us inspiration.Part five:In the previous analysis, based on the design program of convergence, Payment years are translated from the convergence of the system, management system convergence set such as to make design. First, from the coverage, integration of existing fragmented pension system, the formation of three blocks, all groups should be included in the system, so that the coverage of non-repetitive, exhaustive. Designed the way of the interface between the binding mode of the system account and accumulation mode with system account the convergence of the binding mode of approach, summed up the payment standard according to the transferred system this contribution years method, according to the equity theory is based on the count method. Finally, the interface management system approach.Part six:On the way to the introduction of old-age insurance, pension insurance system continues to improve and fund management, co-ordination level policy recommendations.Innovation of this paper is a comprehensive summary of the mode of exploration of our local pension system, summarizes Chengdu, Chongqing, Shanghai, Beijing, migrant workers, peasants and urban workers pension, the new agricultural maintenance old system inadequacies including:convergence approach. Summarizes the commuted payment years around the turn into the system, payment standard practice, according to local data estimates roughly translated the percentage evaluation. Inadequate:The knowledge is limited, first-hand data is difficult to obtain and other reasons, some places can not be empirical analysis, the depth, the future need to continue to improve the place.