Analysis On The Problems And Countermeasures Of The New Rural Endowment Insurance System

The rural social endowment insurance is a system that refers to the rural residents, when they can’t meet the basic needs of life cause of part loss or lose labor ability as growing old, the government need to ensure their basic standard of life by giving material assistance through proper social organizations to adopt various effective measures. The new rural social endowment insurance system relies on a fundraising patterns combine personal payment, collective allowance with government subsidies. Meanwhile, the system combines social pooling with individual account. Rely on these methods, the system is designed to ensure the basic life level of the old rural residents. Universality, fairness and comprehensiveness are the characteristics of the system. It is of great significance to promote the development of the new rural social endowment insurance system: First of all, it is helpful to safeguard the basic life level and maintain the basic subsistence right of the old rural residents. The second, it is in favor of the elimination of urban-rural dualistic structure, the decrease of differences between urban and rural areas. The third, it is conducive to consummate the endowment security system of China. The fourth, it is helpful to promote stable development of society.The following main achievements of the new rural social endowment insurance system have been obtained as to Gaolan: The new rural social endowment insurance system have been implemented and consummated. The coverage of the rural social endowment insurance system is bigger, especially the rural social aged insurance work of landless peasants had the substantive progress. The management institutions of the new rural social endowment insurance are gradually established. However, problems are outstanding in the process of implementation of the rural social endowment insurance system in Gaolan due to the following reasons: The low degree of legislation, the lack of government support, the incompleteness of management organizations setup, the disarray of the management system, the imperfection of capital operation system, the extreme lack of peasants’ understanding of the rural social endowment insurance system. These problems mainly including: The coverage of the rural social endowment insurance system is narrow in Gaolan, accompanied by a low level of security. The insurance management mechanism is imperfect, meanwhile, the level of management is insufficient. The management of insurance fund is in a mess so that it is difficult to guarantee a appreciation. The peasants are extreme lack of the consciousness of insured on account of antiquate ideas. We can sum up the experiences of the development of rural social endowment insurance system at home and abroad.It is meaningful to combine the typical approaches with the specific circumstance of Gaolan.Then we can realize the countermeasures to establish and consummate the implementation of the rural social endowment insurance system. These countermeasures are as follows: First of all,laws and regulations construction of the rural social endowment insurance system should be consummated. Secondly, the governmental responsibility should be optimized in the rural social endowment insurance system implementation. The governmental responsibility mainly including:to speed up the transformation of governmental functions, to enhance the responsibility of government finance, to enhance the responsibility of government regulation. Thirdly, the operation mechanism of the rural social endowment insurance system should be consummated. It is mainly refers to the government management mechanism, the social service mechanism and the marketable service mechanism. In the end, the environmental conditions of the rural social endowment insurance system implementation should be improved. We need to create material foundation for the rural social endowment insurance system implementation by means of developing the economy industriously. We need to build resource advantage for the rural social endowment insurance system implementation by means of resource integration. We need to construct favorable social atmosphere for the rural social endowment insurance system implementation by means of enhancing the propaganda.