| Pension issue has been the focus of the party and the country concerned. Wangkui has a large proportion of agricultural population, and rural residents generally earn less,which means that Wangkui county is the typical poor counties in Heilongjiang province. At the same time, the annual payments of endowment insurance pension up to 380 million which cause serious financial burden on the government. However, data shows that the commercial pension insurance rate of rural residents in Wangkui is only 2.04%, rural commercial pension insurance does not play its complementary role to the social old-age security. To sum up, the research of rural commercial endowment insurance is beneficial to promote the development of its rural commercial endowment insurance in Wangkui county as well as to improve Wangkui’s rural old-age security and pension system. However, rural residents is the ultimate recipient of commercial pension insurance, the demand and acceptance of rural residents to commercial pension insurance determines its sustainable development in rural areas. Therefore, this article treat the rural residents as object to conducted a comprehensive survey on commercial pension insurance for rural residents in Wangkui county.There are many domestic and foreign scholars research results to commercial pension insurance,which is the foundation of the survey of the rural residents’ commercial pension insurance in Wangkui in this paper. The main part of this paper organized the survey data of rural residents’ commercial pension insurance in Wangku according to the statistical procedures. Firstly, classified the survey data through descriptive statistics, and filtered other important related Information. Secondly, the data statistical analysis, which point out the situation and the plight of commercial pension insurance rural residents faced with in Wangkui by cross-comparison of different levels of data. In the cause analysis section, article use brainstorming possible to recorded all the causes that maybe lead to problems of commercial pension insurance combined with the basis of the foregoing data above. And finally explained the mechanism of action of the reasons from the perspective of rural residents, community and government, insurance companies, in the guidance of three theories. To protect the analysis of scientific and effective, research also used data to validate mechanism. The study found that commercial pension insurance of rural residents in Wangkui faces the following problems: Firstly, the potenti ally effective demand rate of rural residents for commercial pension insurance is only 17%. Secondly, 73.47% of rural residents don’t trust commercial pension insurance. Thirdly, 56.46 percent of the rural population have less than the ability of 4,000 yuan to pay commercial pension insurance and even though the high-income residents’ willingness is still generally low. Fourthly, 72.22 % rural population have "no sense" to it, and up to 26.39% rural residents are very satisfied with the commercial pension in surance among the uninsured respondents. However only 2.04% rural residents participated in commercial pension insurance, and 66.67% respondents showed that there is no obvious feeling after insuring the commercial pension insurance. These problems are mainly caused by the cultural level of the residents and insurance knowledge, pension model tendency, the distribution of family income, education and guidance from the community and the government, the relationship of internal pension system, the expertise and quality of insurance practitioners, as well as the insurance products and protection model. Finally, the author provided reference suggestions of the development of commercial pension insurance among rural residents in Wangkui from perspectives of rural residents, society and government, insurance companies. Aimed at promoting the development of commercial pension insurance in Wangkui and improving its pension system as well as the quality of residents’ life. |
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