The Evaluation Study Of The Basic Old-age Insurance System For Urban And Rural Residents

As the new system of old-age insurance for rural residents and the social endowment insurance for urban residents have been implemented, China’s basic old-age insurance system achieves a full coverage, and comes into the "integration" stage of development. In many place, the government integrates the two systems into a new system gradually, called "the basic old-age insurance system for urban and rural residents". The basic old-age insurance system for urban and rural residents is the basic requirements of "Baseline Equality" concept in social security, also is the periodical results of old-age insurance system integration, and address the needs of social problems. Local government successfully tested, and showed that the system are feasible in theory and practice, the key lies in design of the system and executive power of the government.In this paper, We start from the design of the system content, select Xiamen as the research object, and estimate the system by setting targets. We find issues of system design and made to improve the basic old-age insurance system for urban and rural residents. Firstly, the study analysis the content of the system in Xiamen City, compare the payment system, government subsidies, basic pensions to other14sub-provincial cities’, and conclude the characteristics of basic old-age insurance system for urban and rural residents in Xiamen.Then, the study summarize the system goal as "fair, adaptation, effective, sustainable", and to evaluate the goals, we focus on the content of the system design, establish the evaluation system including system content and system implementation and other indicators. Then we use AHP to assign weights of the indicators, and let experts grade indicators, to found system problems. Finally, the study analyzes the low grade indexes, analyzes the deep reasons which hinder system to realize the goal from the system design content. Then, we put forward by lowering the threshold of the household registration, establishing the dynamic standard, constructing Both fair and efficient government payment structure and establishing a scientific formulation and adjustment mechanism of fundamental annuities to perfect the system.