The New System Of Rural Endowment Insurance Research

Rural endowment insurance system in China is an important part of social security system, the realization of social security comprehensive coverage must perfect system of rural endowment insurance system in china. China’s traditional system of rural endowment insurance executes individual contribution, collective allowance is complementary, the national policy support the financing pattern, but as a result of the system in the implementation process, collective allowance strength is very weak, and the government only to give policy support, did not give the financial support, led to the traditional rural social endowment insurance system in the process of financing the payment pressure onto all on farmer body, which brings a heavy burden to Farmers Insurance, at the same time the traditional rural social endowment insurance system security level is very low, reduced a farmer the enthusiasm of participants. In summing up the traditional rural social endowment insurance system experience, our country begins from2009to explore a new system of rural endowment insurance, the new rural endowment insurance system in the way of financing on the implementation of individual contribution, collective allowance, subsidy of government financing mode. Direct government subsidy is the new-type rural old-age insurance system is the biggest bright spot, it highlights the responsibility of the government.55yuan per person per month standards of basic pension is the key factor to attract a farmer actively insured. Traditional rural social endowment insurance system failure so that the majority of farmers to new rural old-age insurance system is full of confidence, however for new rural endowment insurance many farmers still shows concern, they fear that individuals the ability to pay, more worried about government finance cannot be sustained subsidies. In order to further accelerate China’s new rural endowment insurance development process, eliminate a fanner on the new system of rural endowment insurance concerns, farmers insurance firm determination, this article from the new system of rural endowment insurance three party financing subject, individual, collective and the government point of view, given the collective subsidy limitations, mainly demonstrates the individual the ability to pay and the financial support of the government ability. The individuals the ability to pay and government financial subsidies capacity analysis, further the new rural endowment insurance system in our country to promote the feasibility.