Existing Problems And Countermeasures Of Rural Endowment Insurance In Hebei Province

Endowment is a problem concerned by every country. It is the foundation of national social security. The development level of endowment in a country can reflect its economic development level and complete degree of policy and system. As known to all, China is not only a large population country but also a large agricultural country. Rural population accounts for more than70%in the national population. The problem of farmers is the most important and it is of wide concern. As an important link of social security system, whether the spread of rural endowment insurance is smooth relates to the vital interest of farmers, as well as the stability and solidarity of a country. As a result, solving the problem of rural endowment insurance is the most important thing in rural construction. However, at present Chinese rural endowment insurance system is not complete and many problems need to be solved immediately.As a large agricultural province, rural population accounts for a large proportion in Heibei. With the continuous deepening of population ageing degree and continuous enlargement of gap between the rich and the poor in the city and countryside, agricultural development is relatively backward compared with urban economic development level and income gap between urban and rural residents is very large. Different development speed in the city and countryside is not beneficial for the start of agricultural endowment insurance and it is not beneficial for the long term development of rural economy in Heibei, either. Current Chinese rural endowment insurance system mainly provides priority to individual payment, which increases farmers’burden to a certain degree. Solving the problem of rural endowment insurance has very important influence on steadying the society and promoting the economic development of the province. As one of the rural endowment insurance experimental units, Heibei has acquired certain achievements in the process of spreading rural endowment insurance and discovered many problems simultaneously.Mainly through understanding the development background and current situation of Chinese rural endowment insurance, the dissertation realizes the spread degree of rural endowment insurance in the large national circumstance and wishes to refer to successful experience of foreign endowment insurance. The dissertation emphasizes on analyzing concrete problems of rural endowment insurance in Heibei during the process of spreading, including that farmer’s opinions are comparatively backward in Heibei, the cognition of insurance system is not thorough enough and insurance awareness is relatively weak, the government hasn’t truly played its function and it can’t solve farmers’insurance security problems as strong backing, In addition, collective allowance is absent and rural endowment insurance mainly depends on farmers’self-help payment. As a result, farmers are short of insurance positivity. The spread of rural endowment insurance system has the phenomenon of narrow covering area and low endowment standard. Rural endowment insurance system is lack of normative legal protection. While facing problems, there is no law to abide by. Many problems can’t be handled properly and promptly which leads to the stagnancy of endowment insurance system extension. At the same time, the management of rural endowment insurance funds is not normative enough and it can’t guarantee the inflation-proofing and appreciation of endowment funds. Through analyzing the facing problems in the process of rural endowment insurance extension in Heibei Province, the dissertation provides concrete plans for solving the problems from aspects such as masses concept, government support, economic regulation, laws and regulations, as well as system forms.