Study On The New Rural Social Pension Insurance In China

In the21st century,China is in the development period,with the industrialization andurbanization process accelerating,China’s rapid economic and social development.but at the sametime,China’s rural population aging phenomenon is more and more serious,then thefarmers’pension issue has become increasingly prominent.Because there are some defects in thesystem designs of the traditional insurance,which make there are many shortcomings in theimplementation process,ultimately unable to mobilize the enthusiasm of farmers fully,all of thesehinder the further development of the new rural social pension insurance in a certain extent.Atpresent,in the big background of constructing new socialist countryside,the face of increasingsevere population aging situation,establishing a new type of rural social endowment insurancesystem in order to solve the problem of aged rural residents is imminent.In October2009, a newtype of rural social endowment insurance of pilot work has been in the national10%of the county(city, area) push.However,the establishment of a new system is a huge systematic project,whichcan not accomplish at one stroke.There will be various obstacles in its development process, thisrequire local governments to innovate and explore,based on not changing the original ideas ofcharacteristics and advantages.And sum up the characteristics of the feasible modes of the newrural social pension insurance.So this paper is to solve the farmers pension problems as the starting point,with theknowledge of endowment insurance of rural basic theories,by combining the methods of theoryand practice, history research,empirical analysis and literature search,analysis the problems of thenew rural social pension insurance in different angles and different levels.Including: thedeficiencies in the new rural social pension insurance system,the ideological and culturalbackwardness of our rural residents,the underdevelopment of rural economic,and throughestablishing actuarial balance model of individual account and analysis the main factors ofimpacting security level of the elderly after retirement.Then through the analysis of the successfulexperience of foreign countries,and summary useful things for China. Finally, put forward somecountermeasures and suggestions from the aspects of legislation,fund raising and managementlevel as well as the system reform,in order to improve the system of the new rural social pensioninsurance,and steadily push forward the institutional change,the＂ wide coverage＂ and＂basic＂,let the majority of rural residents to enjoy the achievements of development of reform and opening up,and realize the goal of＂elderly will be looked after properly＂.