Research On Our Country’s Rural Commercial Pension Insurance

With the degree of aging of our population increasing, the pension insurance issue especially in the village has become the focus of the majority of farmers. The traditional pension insurance’s function is weakening, and the modern social old-age security system is not perfect. So in modern social conditions, in order to solve the problem of rural residents pension, we must create a multi-level old-age security system include of commercial pension insurance. Thus, the selection of Chinese rural pension problem, especially in rural commercial pension insurance has a very important theoretical and practical significance. This paper studies how to develop the rural pension insurance business to make it fully effective in the rural old-age security system.Firstly, starting from the relevant theoretical analysis, introduced the definition of social security, social insurance, social pension insurance, rural social endowment insurance and pension insurance. After defining the related definition, we study on detailed theoretical basis for western endowment insurance, is intended to understand and grasp some theoretical knowledge about pension insurance.After theory analyzing, the paper makes analysis on the current situation of China’s rural old-age insurance, and proposed that China’s rural old-age insurance are facing some problems now, such as family and land endowment insurance’s function is gradually weakened, the current rural social old-age security system is imperfect, the level of protection is not high.Toward to the various problems of the China’s rural old-age security system,this paper argues that the development of rural commercial pension insurance is an important measure to perfect the multi-level old-age insurance system in rural areas. And through the detailed analysis of the commercial pension insurance for rural supply and demand, we know that the decisive factor to restrict the development of China’s rural commercial pension insurance is the inadequate supply, as long as we vigorously develop rural commercial pension insurance market effective supply, rural commercial pension insurance will be able to get developed smoothly. In addition, although there are some problems in the process of the development of China’s rural commercial pension insurance market, but the current situation of supply and demand have indicated that the development of rural endowment insurance still has great commercial feasibility.After analysis of the supply and demand situation,this paper also makes use of theoretical analysis and relevant examples combination, from both demand and supply aspects to study the feasibility, so as to arrive the conclusion that develop rural commercial endowment insurance in our country is feasible.Finally, the paper puts forward some related countermeasures and recommendations:improve relevant laws, intensify policy support, strengthening farmers’ commercial pension insurance awareness education, accelerate the commercial pension insurance product innovation, regulate commercial insurance companies marketing services for the rural market mechanisms,increasing the supply of rural commercial pension insurance body.