A Research On The Adaptability Of New Type Of Rural Social Endowment Insurance System In China

An aging population has become a major problem of the world today, Chinese society enters into aging society in the condition of underdeveloped economics and incomplete social security system in advance. The level of aging between urban and rural areas is inverted in our country, therefore, to establish and perfect the rural social security system, especially the rural social endowment insurance system is not only significance but also very urgent.Establish a new agricultural insurance system is major deployment of perfecting our country’s rural social security system, in order to keep a good adaptability, in September2009, the new agricultural insurance system has been started to make experiments t in the10%of counties of our country, now on the basis of the experiments, it has opened throughout the country, and expected to reach full coverage by2020.Some scholars assert the right-aged farmers are more likely to recognition, accept and participate the system, because the new agricultural insurance system has a strong welfare, But my conclusion is that the operating mechanism and organization framework of the new agricultural insurance system remains to be perfect and its adaptability is influenced by many factors like the path dependences, the conditions of rural governance, fanners’trust on the government etch, on the based of the on-the-spot investigation, the literature reviews and the theoretical analysis.This article is divided into six chapters: The first chapter introduces the background and the significance of the selected topic and the literature research of home and abroad; the second chapter reviews the development history of the rural endowment insurance system; The third chapter analyzes the present situation of the new agricultural insurance system, selectively analyses the actual requirements and the influencing factors of adaptability of new agricultural insurance system; The fourth chapter is the overall evaluation of the new agricultural insurance system concludes that the new farming maintain overall has strong adaptability, but exists many problems yet, in addition to the institutional factors of system itself, the constructive conditions of the new agricultural insurance agency system and the external environment will also impact on its adaptability; The fifth chapter puts forward the ideas and policy suggestions on how to improve the adaptability of new agricultural insurance system, includes should insist on the principle of voluntary join, cannot change the principles from "accord" to "mandates"; improve the adaptability f the new agricultural insurance system on the basis of perfection of the incentive mechanism; Cancel the bundled policy and implement surrender freedom so as to solve the restriction of institutional environment on the new agricultural insurance system; At the same time should reconstruct the service organization of new agricultural insurance system focusing on purchasing service. The sixth chapter summarizes the full text and gets conclusion.