The Research On New Rural Endowment Insurance System In JiLin Provnice

Since reform and opening up, With development of economic, The problem of aging population is more serious day by day in our country. In rural areas, Family pension is the main pension in long time. With young labor force transfer to the city and reduce of land security features in countryside, The pressure on pension of the farmers is increasing. During the founding of our country, The miniature of rural endowment insurance system has appeared. With economic development and policy changes, China has adopted family insurance, Combination of collective security and social assistance, Multi-pillar pension system, Social pension insurance and other pension ways. These forms of pension insurance collectively referred to as the old rural old-age security system. They solved pension issues in part of the elderly population in rural areas to some extent, But since the big gap among the degree of development of the productive forces in countryside, The system was difficult to interface between the actual situation effectively. The level of protection is low. Therefore, the implementation process was difficult. In2009, China began to implement the new rural endowment insurance system. In this paper, We take Jilin Province for example, By deeply inquiry of the new agricultural insurance pilot experience, Put forward problems founded in implementation process of new rural endowment insurance, And gives practical measures.December2009, Jilin Province promulgated<Views of the New Rural Endowment Insurance Pilot Implementation of Jilin Province>,Started to experimental work in nine regions such as Chaoyang District in Changchun City, Ningjiang District in Songyuan City, Zhenlai County in Liaoyuan City. Every rural resident who have reached16years of age and did not participate in the basic old-age insurance for urban workers are eligible to participate in the rural old-age insurance, which adhere to combine three payment methods of individual contributions, collective benefits, and government subsidies. Pensions contains the basic pension and pension accounts, which co-payment in the time of collection.The new rural endowment insurance system of Jilin Province had obvious effect. But there are also some problems, Such as lower insurance rates of farmers under45 years of age caused by unreasonable system design, Poor funding of the new agricultural insurance, Weak awareness of insured, the ineffective convergence between the old and the new insurance system. This article draws on the experience of developed countries such as Germany, Japan and France.I think that we should improve our current new pension insurance system from the following aspects:Firstly, to establish and improve rural endowment insurance laws and regulations; Secondly, to strengthen the rural old-age insurance fund management; Thirdly, to vigorously develop the rural pension insurance business; Fourthly, to full development of rural micro-pension insurance; Finally, to speed up the process of urbanization of rural old-age insurance.