The Rural Social Endowment Insurance System Development Research

It is of great significance to establish and perfect the new rural social endowment insurance system, also to solve the aging of the rural population. On the basic of extensive native and abroad related literatures, and the problem of China’s rural basic endowment insurance development, we take Anhui province Feidong County as an example and analyze the problems and the reasons in the rural social endowment insurance construction. Then we put forward corresponding countermeasures and suggestions. The viewpoints are as follows:We card the current new rural social endowment insurance research results, analyze the rural social endowment insurance system theory, and point out that our basic endowment insurance system is the social pooling and individual account combination mode.We put forward that the construction of new rural social endowment insurance is the objective request to deal with the tendency of aging population in China, the objective need to increase the farmers’life security, promote urban and rural harmonious development, as well as the practical significance to improve psychological expectations, promote consumption and pull move inside need. Then we discuss that the implementation of rural social endowment insurance is feasible.On the basic of the field survey data about Anhui province Feidong county’s rural social endowment insurance system in2012January, we use statistical software to process the results by classification, analyze the propulsion status of the new rural social endowment insurance and find that the family provide for the aged is still the first choice of farmer endowment. Low and unstable income is the most concern about farmer endowment, most farmers do not understand endowment insurance rules thoroughly. Although the participation rate is high, pay level is generally low. Farmers generally hope to improve the pension payment standard. We put forward the problems appeared in the process to promote new rural social endowment insurance from two respects of the institutional supply and demand. Qualitative and quantitative analysis show that unclear government orientation, unreasonable system design, low income, inappropriate propaganda, the lack of confidence about government policy are main reasons.On the basis of the relevant summarized theories, we make the following recommendations to put forward the sustainable development of new rural social endowment insurance:make clear that the central government and local government financial support responsibility on the pension insurance system; establish social account and individual account combination system mode, improve the design of the system; widen investment channel, maintain and increase fund value; increase and stabilize farmer income; strengthen the propaganda explanation, and guide the farmer’ demand of social endowment insurance.