Commercial Endowment Insurance For Rural Residents In Heilongjiang Province Study On The Measure Of Purchasing Power Level

Pension issues have always been the focus of attention of the party and the state, according to the financial times and the China financial news network joint report, the focus of the public on the 14% focus on the future of the pension problem. The social security of our country to implement the basic endowment insurance, enterprise annuity and personal commercial endowment insurance by the common support of old-age security system, but commercial endowment insurance did not play its role as a complement in the social security system in. With the gap between urban and rural areas is widening, the rural population a flock to the cities, rural areas hav e the height of the "empty city, aging" phenomenon, rural residents pension problem becomes more and more serious, the development of rural endowment insurance business is even more urgent. Development of rural endowment insurance business is influenced by many factors, but rural residents is the ultimate receiver of the commercial endowment insurance, rural residents of commercial endowment insurance acceptance and demand determines the commercial endowment insurance in rural areas of continuing operations. The per capita income of rural residents in Heilongjiang province is low, and the level of economic development is backward, and the aging population structure is now highly. The development of commercial endowment insurance for rural residents is slow. In order to solve the problem of pension for rural residents in Heilongjiang Province, this paper takes the rural residents in Heilongjiang Province as the research object, and makes a comprehensive measurement of the payment capacity of the rural residents in Heilongjiang province.According to the ratio method, the residual income method, the empirical analysis of the rural residents in Heilongjiang Province, the commercial endowment insurance can be paid capacity and its timing changes, regional differences, and income class differences were measured and compared. Results show that the earning capacity of the lowest income and low-income groups can not in the current circumstances meet the purchase demand of commercial endowment insurance; middle income and each of the following class commercial endowment insurance ability to pay decreased, and varies from region to region continues to expand; due to the imbalance of economic development should raise the income level of rural residents, especially the income level of the poor areas. On this basis, the Heilongjiang province for the development of commercial pension insurance in rural areas put forward the views and suggestions, in order to promote the sustained and healthy development of commercial pension insurance...