Research On The Optimization Of The System Of Urban-rural Integrated Residents Social Pension Insurance Of Laiwu City

With the society and economy developing continuously, economic structures changingand people’s social security consciousness enhancing, the social security system of dualsegmentation has already not met the needs of development of society and economyincreasingly. So the demands for eliminating the urban-rural dual segmentation of residents’pension insurance system and achieving the establishment of the urban-rural integratedpension insurance system are growing stronger day by day. Achieving the urban-ruralintegration goal has become an important national policy. As a result, the urban-ruralintegrated pension insurance system has become a hot issue for the theoretical workers.Establishing the urban-rural integrated residents’ pension insurance system has importantsignificance on alleviating the serious challenge of the aging population, eliminating the dualstructure, achieving modernization and constructing the harmonious society.This thesis uses the method of combining the specificity and the universality to analyzethe urban-rural residents’ pension insurance system of Laiwu City, sums up the universalitybased on the characteristic analysis of the implementation of the urban-rural integration ofLaiwu City and has put forward experiences advantageous to be promoted nationally. Themain conclusions of this thesis are as follows:(1) The urban-rural integrated residents’ pension insurance system is a social pensioninsurance system which improves the balance between urban and rural development,eliminates the urban-rural dual segmentation, puts both urban residents and farmers into aunified social pension insurance system and makes aged urban and rural residents get basiclivelihood guarantee. Implementing the urban-rural integrated residents’ pension insurancesystem is beneficial for alleviating the serious challenge of the aging population, eliminatingthe dual structure, achieving modernization and constructing the harmonious society, thus it isvery necessary. In recent years, the rapid development of Chinese society and economy andpolicies of urban-rural integration which have been published by national and localgovernments also stated that the urban-rural integrated residents’ pension insurance systemhad got economic, social and policy bases, thus it is feasible.(2) The urban-rural residents’ pension insurance of Laiwu City has experienced three stages: the first stage is the infancy of the new rural social pension insurance (2007-2009), thesecond stage is the developmental stage of the new rural social pension insurancesystem(2009-2011), the third stage is the implementation stage of the urban-rural integratedresidents’ social pension insurance since2012.(3) By analyzing the operating mechanism of the urban-rural integrated residents’pension insurance of Laiwu City including funding mechanisms, fund operating mechanism,pension payment mechanism and management mechanism, this thesis has stated that thesystem can operate overall normally and produces good social effects.(4) The construction of the urban-rural integrated residents’ pension insurance of LaiwuCity has achieved certain results, but there are also problems such as the lack of normalization,the lower security level and the software and hardware construction lag of basic unitmanagement affecting work efficiency. The causes of these problems are various, but they canbe summed up in reasons like the low level of economic development, the lack of governmentsupport and the low cultural quality of the insured residents.(5) Optimizing the urban-rural integrated residents’ pension insurance system of LaiwuCity should follow the basic principles including principle of equity, the principle of adaptingto social development, the principle of combining universality and selectivity and thegovernment-led and social involving principle.(6) According to the actual situation of Laiwu City, achieving the optimization of theurban-rural integrated residents’ pension insurance system of Laiwu City needs basicmeasures as follows: raise the funding and security level; eliminate the restriction of residents’identity and establish national unified social security numbers of the pension insurance;reform the fund management mode, improve the ability of preserving and increasing thepension fund value; attach great importance to management and supervision, improve theservice level of agencies and raise effectiveness. Supporting measures of legislation, economy,society and the connection of other social security system should also be implemented.