Financial Risk Assessment Of The Old-age Insurance System For Urban And Rural Residents

In recent years, the rural social old-age insurance has been developing rapidly in China. In 2009,the new rural social old-age was implemented, it is the symbol of the development of China’s rural old-age insurance. The new rural social old-age insurance full coverage basically in 2012. In 2014,the old-age insurance system for urban and rural residents was implemented. The implementation of this system marks the urban-rural dual structure was broken. It also narrowed the social security level of urban and rural residents.In this non-payment old-age insurance system, the government plays an important role. In particular, the government’s financial responsibility, which is the core and characteristics of the old-age insurance system for urban and rural residents.Since the implementation of system is not too long, there may be many aspects of the problem,including financial subsidies. These problems are likely to result in a situation that is not consistent with the objectives of the implementation.If the government’s financial subsidies are too large, may lead to financial risks, on the contrary, the government subsidies are too small, it will be difficult to protect the basic livelihood of urban and rural residents of the risk.The content framework of this paper is divided into five parts:The first part is the introduction. This part mainly includes the background and significance of the topic, research review, research content and innovation.The second part including two aspect contents, first is explain the risk, the assessment and the financial risk,next is to explain the content of the old-age insurance system for urban and rural residents,and explain the characteristics of the financial risk,in the final to analyses the significance of this thesis.The third part, the fourth part respectively assess the financial risk of the central government, the provincial financial risks and local financial risks.The fifth part is based on the central, provincial and county situation of financial subsidies, and then proposed countermeasures.