Research Of Establishing The Integration Of Urban And Rural Pension Insurance System

With the development of China’s economy, the pension insurance is becoming a very importanttopic of people’s livelihood, especially in the current issue of population aging growing period. Besides, thepension insurance is related to national economic development, and the stability of social harmony. Tosolve the problem, one way is that we must establish a scientific and reasonable pension system. As ageneral practice in the world of the pension system, the development of pension insurance is not onlydependent on the level of economic development of a country or region, but also is restricting by itspolitical system. After the sixty years of exploration and practice, our pension insurance development fromsmall range to gradually full coverage, and established a relatively perfect pension system.For instance, in urban areas, the urban pension insurance has been largely achieved full coverage,and continuous improvement. Meanwhile, in rural areas, the new rural social pension insurance system hasbeen stared a pilot implementation to solve the problem of "the old farmer’s insurance" from2009, and"The new agricultural pension insurance" of implementation has been achieved a initial success and theissue of migrant workers pension gaps have been filled. So far, China’s pension system is divided into threetypes, namely old-age insurance system for urban and rural residents, pension insurance system for urbanworkers and the organs and institutions of the pension insurance system.Nevertheless, the China’s "dual structure" is artificially separated by the urban and the rural.Meanwhile, as the non-balanced economic development strategy has been continuously implementedbetween the urban and the rural in china, and the household registration system is dived into the urban andthe rural, which lead to our pension system is also showing a "dual split" characteristics. Besides, the urbanand rural of pension insurance was "fragmented" development, and there is a big difference in terms ofcoverage, the overall level, funding patterns, level of treatment areas about the urban and rural pensioninsurance system, which not only is restricted the free movement of rural surplus labor force which couldinfluence the economic development, but can not make all citizens enjoy equal pension rights. Furthermore,it could not truly reflect the national pension insurance policy fairness and efficiency. Therefore, the studywould assess that how to establish an apposite management of the urban and rural pension insurance system. Study of urban and rural pension insurance in China’s economic development and social progressof important performance is to build a harmonious socialist society in the meaning of the title is a bigproblem related to people’s livelihood. This is conducive to safeguarding citizens enjoy equal socialsecurity rights, ensuring social justice, urban and rural residents to enjoy equal rights Realization pensionbenefits, help to improve the living standards of urban and rural residents, narrowing the gap between theliving standards between urban and rural residents, urban and rural aging residents get good materialsecurity, especially in the rural elderly residents to make pension is guaranteed, so that elderly residents areable to old age, a sense of security, the elimination of pension worries elderly residents. In addition, theestablishment of a unified national urban and rural residents pension insurance system in the initial stage ofour country, to examine how urban and rural pension insurance management model to achieve a unifiednational pension system, has a very important practical significance.To sum up, the article was based on the perspective of urban and rural areas, and analyzed theurban and rural pension insurance system of the reasons and the problems through summarize the collationof the results of academic research. Besides, it was drawing on the experience of the typical pattern ofrevelation and abroad, and put forward policy recommendations involved in the establishment of urban andrural pension insurance management model of co-ordination, which is depend on the overall level ofold-age insurance and financing models institutional different populations in different parts of therelationship between design and the transfer of pension insurance continuation, and the legal system, thehousehold registration system, service management, commercial insurance and other supporting systems.