Legal Protection For The Basic Pension Insurance Of Urban And Rural Residents

Social security is a basic social system of the modern state, pension insurance is the most crucial and the most critical part of the social security system in our country. Along with the extension of China’s population structure changes and the average life expectancy, the miniaturization of family size, population aging phenomenon is serious, the attendant of urban and rural resident’s pension issue has become increasingly prominent. In February,2014,the State Council issued the "on the establishment of a unified urban and rural residents in the basic old-age insurance system view",Proposed merger the new agricultural insurance and the urban resident’s pension insurance in the country, and linking and workers’ basic pension insurance system. The introduction of views, insured to put aside the different urban and rural household registration restrictions, equally enjoy the pension benefits, to a certain extent, safeguard social fairness and justice, in favor of the floating population, speed up the pace of urbanization, to stimulate consumption, encourage innovation and entrepreneurship, to have the important meaning.This paper introduces the concepts of pension insurance, development history, theory, and the significance of the establishment of a unified urban and rural pension insurance. And the effects of the implementation of the basic pension insurance system for urban and rural residents in Beijing, Jiaxing, Zhengzhou area. Beijing’s "imitation of the city", Jiaxing capture expends fixed number of year subsidies, Old age allowance in Zhengzhou is the highlight of the system. Through the summary of theory and practice, the main analysis of the current China’s basic old-age insurance system for urban and rural residents in the implementation of existing laws and regulations lag, lack of judicial relief; funds greater pressure, difficult to preserve and increase the value of; Overall level is too low, the transfer and continuation of difficult; Management method is undeserved, unclear division of responsibility. Our long-term dual economy led to the current pension system fragmentation, And system design, the lower degree of management and service socialization is the cause of these problems arise. Through the analysis of the USA GSP, German occupation system, Singapore mandatory savings endowment insurance, Its sound laws and regulations, and the perfect fund management, convenient transfer and continuation such experience is worth our using for reference. Finally, from the Perfect the laws and regulations of pension insurance, According to the law to protect capital investment mechanism, Standard system operating mechanism in accordance with the law, to strengthen the supervision and management of the endowment insurance, Put forward suggestions to improve the basic endowment insurance of urban and rural residents in China in four aspects.