Problems And Countermeasures Of The New Rural Social Pension Insurance

Along with the accelerated industrialization and urbanization, as well as the degree of population ageing worse off continuously in our country, the traditional rural family providing for the aged and the land safeguard function gradually weakened. As a result, the rural social endowment insurance is the inevitable trend. After the pilot exploration, the "County-level old-age insurance program (Trial)" has been pushed across the country since1992. But due to various causes, the rural social endowment insurance work ground to a halt in many parts of the country. The State Council promulgated "Guidance on carrying out the pilot of new rural social pension insurance system" in2009, and put forward the new rural pension insurance system should be in accordance with the principle of "cover the basic needs, wide coverage, resilient, sustainable". Therefore, it has made remarkable achievements in all aspects. But many problems existing in the pilot work,such as the system is not perfect, rate of insurance is low, the fund accumulation is not enough, and the treatment of old-age security is too low and so on, which cannot meet the life basic needs of rural residents endowment, and cannot really mobilize the enthusiasm of rural residents to pay insurance either. It leads to difficulties in the promoting of new rural social pension insurance system. To study and solve these problems has very important strategic significance and practical value in advancing the new type of rural social endowment insurance system smoothly, further improving the rural social security system, promoting the economic development of urban-rural integration, and building a socialist harmonious society.This paper takes Marx’s social security theory, the social security theory of fairness and efficiency theory, the urban and rural duality theory, and the equalization of public service as the guidance. It adopts methods of the literature analysis and empirical research, typical investigation and logical reasoning, analysis and quantitative research combined. The author analysis the current situation, the existing problems, and the influencing factors construction of new rural social endowment insurance system, taking the pilot work of the new rural social endowment insurance in Dongxing District of Neijiang as example, and puts forward the corresponding policy recommendations. Conclusions of the study are as follows:(1) The pilot work of new rural social pension insurance in Dongxing District operates smoothly, and has achieved remarkable results in all aspects:three-class social security network has been built, the service level increased significantly, channels of fund-raising widened, fund accumulation increased significantly, pension insurance treatment increased, and the enthusiasm increased significantly.(2) As a result of the imperfect related laws and regulations, the poorly-designed system, and the poorly implemented policy, the rate of insurance is low, the accumulation fund is short and pension treatment is low, which reducing the farmers’ trust in the new rural social pension insurance and the insured enthusiasm. Therefore, the new type of rural social endowment insurance system is difficult to promote.(3) Consequently, we must establish and improve relevant laws and regulations, improve the new rural social endowment insurance policy, strengthen social security construction of grass-roots organization, enhance the supervision of funds, preserve and increase the value of the fund, to promote the construction of the social security system of urban and rural integration.