The New Rural Social Endowment Insurance Research Of The Poor Area

At the edge of the social security system construction, the rural economicdevelopment lags, the farmers’ living standard is relatively low. It’s more difficult toguarantee the life of the elderly losing labor ability. They are vulnerable to the impact ofa variety of social risks. The problem of farmers’ pension must to be addressed. At thesame time, as the weakness of the country’s economy and comprehensive societydevelopment, the social security system of poor regions needs to be builtcomprehensively. It relates to the construction of the whole national social securitysystem. Since the1980s, our country has been started to make experiments about ruralsocial endowment insurance. Mainly to promote a kind of security for low-incomeresidents, infirm, etc, so as to solve their difficulties in basic life, pension and so on. Asthe system of rural social endowment insurance (hereinafter referred to as “the oldfarmer protection”) can’t satisfy the peasants’demand for old-age security, the new typeof rural social endowment insurance system (hereinafter referred to as the “new farmerprotection”) which pays more attention to the interests of the farmers arises at thehistoric moment.New rural social endowment insurance system is a good system which benefits thecountry, the society and the people. Being made by the party and the government, it is agood policy based on the special national conditions of our country.It aims at seekingthe interests for the masses of rural people. It is the cornerstone of the social securitysystem that covers the integration of urban and rural residents, establishes and makesthe social security system perfect.The establishing and perfecting of the new rural social endowment insurancesystem, can not only make the broad masses of peasants be raised when they get old,but also can promote the development of rural economy, promote the pace of theconstruction of new socialist rural areas, promote the construction of well-off societyin-depth, and can promote urban and rural overall development and social harmony andprogress.In this paper, I will talk about the current implement of the new rural socialendowment insurance system in the poor areas, which is not usually talked about incurrent academic world. History method is used to analyze the difference between theold farmer insurance and the new one from the mode of financing, payment mechanism,as well as the standard setting. With the basic theory about the rural social endowment insurance system in poor areas, example from the Shilou (a state-level county) will beused to show the development of new agricultural insurance system. I will conductempirical analysis by investigating the basic situation of the Shilou County and tounderstand the present situation about new rural endowment insurance in this county, soas to map all the problems existed in the poor areas in the process of establishment ofthe new rural social endowment insurance system, including the poor consciousness ofparticipating in insurance, low payment ability, the level of participating in insurancebeing not balanced; the incomplete mechanism of financing, investment, andsupervision; staff shortages relating to the new agricultural insurance agencyorganization, the incomplete management service platform about new farming, etc. Atthe same time, on the basis of actual situation of the local development in poor areas, Iwill explore the causes related to the development of new agricultural insurance systemin the region. Through comparative analysis, after summarizing the characteristics ofthe rural social endowment insurance system in Germany, Singapore, Japan, learningthe patterns in domestic cities like Suzhou, Chongqing, and southern region of newagricultural insurance.I draw lessons from the development experience both at homeand abroad, finally put forward some advice to improve the new rural social endowmentinsurance system in poor areas. We can improve the mechanism of financing,investment and regulation; We can also strengthen the propaganda; We can develop theeconomy in poor areas; We can complete the legal system, train professional talents,build information platform, integrate endowment of resources, conduct countermeasureresearches to build perfect social security system and so on. So that the old farmers inthe poor areas can be looked properly.We can provide guarantee for the establishmentof rural social endowment insurance system from multiple levels and pillars. Throughthe author’s research, we hope to provide advice and experience for the continuousdevelopment of the new rural social endowment insurance system for the poor areas.