A Study On The Problems And Countermeasures Of The New-Pattern Rural Social Endowment Insurance In Heilongjiang Province

Currently the percentage of aging population has surpassed10%in26out of31provinces and autonomous regions in China. By2050, the number of aging people is expected to reach430million, accounting for30%of the total amount of population.Therefore China is facing a serious aging problem. As a modern province in the northeast of China, Heilongjiang province is not an exception. The problem of rural endowment insurance which is brought about by the aging population of the rural areas is becoming particularly prominent, attracting lots of concern and being one of the main topics of rural sociology in recent years. To cope with the coming of the aging peak, a system of rural social endowment insurance, based on the reality of Heilongjiang province, should be established and improved. This is not only the necessary requirement of economic development and social progress in rural areas, but also a powerful guarantee of the construction of a new socialist countryside. Combining with its own level of economic and social development conditions, Heilongjiang province explored a suitable new policy of agricultural insurance which proved to be a great success in2009. Studying the rural endowment insurance system in Heilongjiang will not only speed up the construction of new countryside and the integration of urban and rural process in Heilongjiang province, but also favor the establishing and perfecting of a nationwide new pattern system of agricultural insurance.Based on their own research materials and the academic research in this area, by means of comparative analysis of old and new rural social endowment insurance system in Heilongjiang province, this paper elaborates the current situation of rural social endowment insurance system and makes an in-depth analysis on the level of system protection, agricultural insurance coverage and farmers’ capacity under the existing system with the illustration of charts, tables and survey cases. The main factors that influence the development of rural social endowment insurance in Heilongjiang province are indentified, which include:the income level of farmers, farmers’ burden, the residents’ awareness of endowment insurance, the government’s support for rural social endowment insurance,etc. Thus the problems occuring in the process of implementing the new system of rural social pension insurance are found out and their causes are analyzed. On this basis, the concrete measures are suggested to improve the new rural social pension insurance system in the province.Using the successful experience in rural endowment insurance of other countries for reference, this paper proposes some constructive suggestions as to how to improve the informationization construction, legal system and other related measures, to perfect the financing and investment management mechanism in the rural social endowment insurance system in Heilongjiang province, thus providing a reference basis for the development and improvement of the new type of rural social endowment insurance system the province.