Problems And Countermeasures Of China’s Aging Population And Rural Social Endowment Insurance System

Population aging is China’s social progress, the inevitable result of economic and technological development, is a sign of the progress of human civilization, not to the people is an inevitable trend for the overall population structure will transfer development. With the aging of our population, pension issues more prominent. China as the world’s most populous country and a major agricultural country, is facing tremendous pressure on building a harmonious society and the rural economy caused some impact.At present, although our rural social old-age security system carried out some useful reforms, and its construction has already achieved some initial success, but still facing the rural pension insurance started late, the problem of low standard. In this paper, the development process of China’s rural social endowment insurance system to summarize the departure of aging, pension insurance, rural social endowment insurance and other related concepts defined and outlined. Summarize their experience from abroad in a typical rural social insurance system, while rural penetration and to analyze China’s current pension system is low, the limited coverage, serious regional development imbalances; legislative system is not perfect; small fund size and increasing the value of the amplitude; low level of protection to safeguard the interests can not be honored; fund management system is imperfect; financing channels for a single, small issues such as financial support, which summed up the problem of the existence of rural endowment insurance system for economic reasons, social reasons and policy reasons. Finally, proposed legislation to address the problem in advance, accelerate the legal system; increase state financial support to allow farmers to share the fruits of economic development; establish a multi-channel financing, changes in personal savings in the form of a single farmer; diversified payment standards and benefit levels; strengthen financial supervision, to ensure that funds increase the value; continue to play a land and family should have auxiliary functions such as pension reform proposals some viable. In order to establish suitable for China’s rural old-age insurance system, thus contributing to economic and social development in rural areas, so that the country’s economic construction has made great contributions to the farmers will be able to bring a fair share of the fruits of reform, and ultimately help to keep the entire community stable.