Study On The Situation&Countermeasures Of New Rural Social Pension Insurance In Hunan Province

Establishment of rural endowment insurance system in line with the actual situation in Hunan province can effectively reduce the gap between urban and rural areas, and promote the harmonious development of rural areas, improve the living standards of farmers in Hunan province. The paper summarizes the combination of domestic and rural endowment insurance system as well as the experience of foreign content, presentation development process Hunan rural social endowment insurance, summarized Hunan defects of traditional rural society endowment insurance system, made in the implementation of the new agricultural insurance many problems and constraints that exist in the process, and finally provide some suggestions and measures undertaken to help build Hunan new rural social pension insurance system. The result was shown as follow:(1) Compared with the old rural social endowment insurance, there were new initiatives under new rural social endowment insurance:First, individual contributions and collective benefits and government subsidies for the implementation of a diversified funding base, to build a common platform for the maintenance of old and new agricultural insurers; second, accounts with local farmers and also did not participate in pension insurance for urban workers over16years old (not including school students), can be insured in domicile, a wide range of insurance; Third, basic pension and individual pension accounts together to form two pensions, people-oriented justice, fairness and efficiency principles and scientific development concept has been fully reflected; fourth, the payment way of new rural social pension is socialized; fifth, through social assistance, land security, traditional family policies such as multi-level old-age pension model to determine the basis for the implementation of the new agricultural insurance in the system to protect farmers’ pension; sixth, for those areas of still in the implementation of traditional agricultural insurance, to the original fund and properly handle relevant issues, good convergence is completed with the new security system.(2) New rural pension insurance issues in the following areas:family planning policy has led to decrease in family size and family pension security functions weaken the ability of rural endowment; does not sound legal, legislative lag; lack of government functions position, including the lack of an effective mechanism for management, operation and management of the fund is not standardized, difficulties exist in local government funds to implement aspects; publicity is not enough, the treatment given to the rural pension insurance system benefits the farmers can not be perceived by the majority of farmers.(3) Through the establishment of the pension system in rural communities, encouraging the traditional family and other measures to improve the rural old-age security pension system; establish and improve laws and regulations to protect the elderly in the form of law, the rural minimum living security law, and other laws of the rural pension law; fund operations by strengthening management, to accelerate rural economic development and increase farmers’ income, strengthen the training of professionals to broaden the social insurance pension funding, financial investment and increasing government support and other aspects of full responsibility and the role of government; Finally, to intensify propaganda through using popular approach to the importance of the new agricultural insurance publicity, so farmers can understand while well understood and can be readily accepted by farmers, thus contributing to the majority of farmers active, active, voluntary participation of new rural pension insurance...