Research On Perfecting The Rural Social Endowment Insurance System In Yangtze River Delta

Social security is one of the biggest problems of people’s livelihood. In theconstruction of well-off society and the socialism harmonious society, the development ofrural social security is crucial. As industrialization and urbanization is speeding up andperfecting the Socialist market economy structure, ageing of rural populations,miniaturization of the family structure, land safeguard function is weakened stage by stage;problems of rural social endowment security system are more and more prominent.Understanding the core concepts of social endowment insurance, clear socialendowment insurance theory, summarized the domestic and foreign rural socialendowment insurance experience, focus on South of Jiangsu, Beijing and Dongguan andother places of innovation model of rural endowment insurance practices are summarized;at the same time, summed up the general conclusion for developed and developingcountries that build the system of rural endowment insurance experience. Analysis andsummary rural old-age security system and the typical model of the Yangtze River Deltaregion.From the cover, government subsidies and the level of treatment and otheraspects,descript the rural pension insurance of the Yangtze River Delta region in China andthe problems existing in it.Establish an actuarial model, using MATLAB software to calculate present ruralendowment insurance substitution rate of the Yangtze River Delta region. Calculationresults show that,under the new rural pension insurance system, the new agriculturalinsurance substitution rate of Shanghai City, Jiangsu province and Zhejiang province islow, the most significant factors affecting the level of treatment is age, insurance paymentrate and investment rate of return, Put forward a new direction to adjustment the newagricultural insurance of the Yangtze River Delta region.Based on the urban-rural integration perspective, from the mode of financing,payment, fund management and the management of the respect such as the service,construction of the new rural endowment insurance system of the Yangtze River Deltaregion, through the establishment of the Yangtze River Delta region new farming the income model and expenditure model, using MATLAB software to model calculations,analysis of its balance of payments.Establishment of dynamic payment growth mechanism and reasonable standards ofsubsidies, play a personal account of the innovative function of Yangtze River Delta region,improve the system of rural endowment insurance fund raising mode of Yangtze RiverDelta region; recommendations for new agricultural insurance implementation at theprovincial level, improve a new agricultural insurance fund supervisory mechanism,perfect rural old-age insurance fund management of the Yangtze River Delta region. Atthe same time, straighten out the Yangtze River Delta region new agricultural insuranceagency management services, strengthen the publicity work of new agricultural policy,accelerate " new agriculture" and other social security system interface, thereby improvingthe Yangtze River Delta region new rural endowment insurance system.The innovation of the thesis are as follows: through the establishment of newagricultural insurance substitution rate actuarial model and empirical analysis the currentagricultural insurance substitution rate level of the Yangtze River. Put forward paymentlevel, life insurance and the rate of return on new agricultural insurance system. Based onurban-rural integration construction of new rural endowment insurance system of theYangtze River Delta region and through the establishment of new agricultural insurancesystem balance model and calculating, analysis of new plan in the new agriculturalinsurance revenue and expenditure balance of new agricultural insurance, and put forwardthe improvement of the Yangtze River Delta region new rural endowment insurancecountermeasure proposal.