Research On The Endowment Insurance Of Individually Owned Businesses

China’s economic development has entered the new period of economic structure transformation, individual industrial and commercial households, as an important part of employment group, on the one hand, provide employment opportunities for a lot of people, reduce the employment difficult problem, the majority of people in society and become an important component of China’s economy, so as soon as possible,perfecting the endowment insurance policy is individual and industrial and commercial door, for the establishment of a comprehensive social security system covering both urban and rural residents, realize the goal of social security in the much starker choices-and graver consequences-in planning, promote healthy steady economic development has a very important role.Based on life cycle theory and risk theory,individual businesses in Taiyuan city as the analysis object, using the method of questionnaire to understand their basic situation, industry characteristics, the factors that affect they attend endowment insurance, using qualitative analysis combined with quantitative analysis to study. The analysis of influencing factors, to explore the problems and causes of individual businesses to participate in old-age insurance, and on this basis, countermeasures and Suggestions are given.The current situation of Taiyuan city is the ginseng of industrial and commercial households have a strong will, and the lower income people join the demand, the greater the low-income people subject to economic level, difficult to join. Young myopia rate is low, the elderly demand but payment time is short. Most individual businesses know very little about policy, and the crowd that has been receiving treatment.These problems can be summed up in the following aspects: first, the rate of endowment insurance for individual businesses is low, still have a lot of free from the system. Second, individual ginseng protects the adverse selection problem isoutstanding, the elderly need institutional guarantee but not how long it will take to pay cost, but young people have the time to pay because of myopia have no sense of ginseng. Again, endowment insurance incentive effect is not obvious, because there is no major enterprises, individual industrial and commercial households more than company worker pay, but to receive treatment. Finally, individual and industrial and commercial door due to weak policy propaganda policy awareness is low.For the above problems, this paper puts forward countermeasures from three aspects. First is through the government behavior expand coverage, expends base and capture to expend scale adjustment to reduce the system threshold, can also do linkage of the ministry of commerce and industry registration when mandates. Followed by establishing incentive mechanism, do pay more and more different groups take different pension schemes, finally, corresponding measures is to establish perfect statistical work to strengthen the supervision of collection and pension payment at the same time.