Problems And Countermeasures Of The New Rural Social Pension Insurance

Since2009, the new rural society old-age insurance work has entered into the fifth year. So far, the policy has made farmer sendowment conditions have significantly improved, the elderly population in rural areas has been directly enjoy the benefits brought by the policy. However, There are some problems in the process of new type of rural social old-age insurance pilot. Whether the insurance system itself, or in the process of policy execution, there all have problems need to improve. Taking Zhangjiajie in Hunan province as an example, through field survey and in-depth analysis pilot work in Zhangjiajie and sum up experience and problems, expect to put forward countermeasures and suggestions on the development of rural endowment insurance in our country.There are six parts in the paper. The introduction, including research background and significance, domestic and foreign research review, etc; the related concepts and theoretical basis of the new rural social old-age insurance; analyzes the present situation of the new rural social old-age insurance in the Zhangjiajie pilot areas; summing up experience and problems in the pilot areas, analyze the cause of the problem; draw lessons from the advanced experience of Germany and Japan; the solution to the problem in the progress of the the new rural social old-age insurance system.There are several important points. First, perfect the external environment by increasing the farmers’ income and improving farmers’ enthusiasm. Second,to strengthen the management system at the aspects of organization, information and service network. Third, set up scientific financing mechanisms, including increased the central financial subsidies and reasonable division of the local governments’fiscal responsibility. In the fourth, discuss how to keep and increase the value of the old-age insurance fund, including broadening the investment channels, realize the marketability operation, prudently choice investment tools, establish and improve the fund investment operation management system. The fifth, to speed up the process of the new rural social old-age insurance legislation. Hopes that by these measures, improve the new rural social old-age insurance in our country, make it become another major social security policy which benefit all rural residents as soon as possible.