Study On The Problem Of Jilin Province’s Rural Social Endowment Insurance Development

Since China’s reform and opening up, traditional family support and collective support rural old-age security mode have been facing severe challenges with the deepening of China’s population aging degree, accelerating of urbanization process and declining of rural collective economy. Since 1986, social rural old-age security mode focuses on endowment insurance has been on the exploration and practice, going through “rural social endowment insurance”, “new type rural social endowment insurance” and “urban and rural residents’ basic endowment insurance” respectively.Jilin province, as the less-developed and agriculture-majored province in central and western regions, has long been listed as the pilot area of rural endowment insurance system reform. Although Jilin province has taken the lead in kinds of reforms of rural endowment insurance, rural population aging degree and rural population proportion in Jilin province are all above the national level. Jilin province has been faced with many problems and difficulties in the process of rural endowment insurance business development and promotion of the integration of urban and rural residents’ endowment insurance.Under the above background and institutional framework, main research contents and summaries of the thesis are as follows:Firstly,the thesis summaries historical development and development status quo of rural endowment insurance system in Jilin province. As the pilot area, Jilin province has kept pace with national level in rural endowment insurance system reform. Currently, urban and rural endowment insurance has covered all areas of Jilin province in the system level, establishing positive incentive mechanism of “more paying and more filling” and “long paying and more filling”, and building normal adjustment mechanism of basic pension standard.Secondly, the thesis analyses the existing problems of rural endowment insurance practice of Jilin province. The research shows that the problems of above are mainly: farmers don’t take an active part in paying insurance, funding difficulties; low-level funding management operations, difficulties in operation of transferring system practice, lack of long-term planning of local farmers’ endowment insurance.Thirdly, the thesis discusses the main restricting factors in the overall development of urban and rural residents’ endowment insurance from economical, ideological, systematic and social level.Fourthly. Many suggestions have been given in improving rural endowment insurance of Jilin province in the fields such as enhancing farmers’ enthusiasm of participating insurance through various channels, stabling funding channels in multiple perspectives, establishing scientific funding management and operating mechanism, overall planning land-lost farmers’ endowment insurance and effectively solving transferring issues.