An Analysis On Problems In The New Rural Pension Insurance And Their Solutions

The new-type rural pension insurance, which was put forward by the Chinese government, is a beneficial policy or system aimed at solving the problems of endowment for rural residents, and is also an important action to build the new harmonious countryside. The pilot work of the new-type rural pension insurance was conducted in 2009, and since then great achievements have been made in the experimental districts. However, some problems and defects have also been exposed in the process of its implementation, which need to be paid close attention to by both the government and the whole society.The paper analyses the present situation of the new-type rural pension insurance policy based on a filed survey conducted in an experimental Village named Banchuan in Huating County, Gansu Province, and thus points out several problems that lie in the process of the policy’s implementation, with the expectation of casting light on the improvement of the insurance system in both Gansu Province and other regions of China as a whole. The problems brought up include: having difficulties in collecting the premiums; unclear regulations in the policy; being insured twice; lack of personal ability and credibility in cadres at the basic level; poorly-developed institutions; lack of legal safeguard; being poorly-connected with other related systems; low level of the government subsidies to the premium etc.To deal with the outstanding problems existing, this paper puts forward some tentative proposals so as to improve and perfect the new-type rural pension system, for instance, to improve the system itself in a variety of ways, to enhance the propaganda of the new rural pension insurance policy, to raise the level of future pension, to take integrated supporting measures; to enhance legislation and perfect the management system; to raise rural residents’ income and so on.Finally, the paper points out that system itself must be highlighted in order to find solutions to various problems and flaws in its executing process. The optimization and perfection of the new rural pension insurance system should be the first important thing to be taken into consideration. Relevant management department and staff should work together to conscientiously carry out the policies of the system, trying to figure out its flaws and defects while executing it, and providing suggestions on the basis of practice.By researching into an experimental village of Gansu Province from the perspective of new rural pension insurance system, the author attempts to figure out a series of strategies and suggestions which are supposed to provide lessons and reference for the further implementation of the system. However, it’s no easy job to improve the new rural pension insurance system and it asks for the joint effort from all walks of life. Only by achieving this goal,can the rural society be maintained stable, can the people live in peace and contentment, and can the whole country guarantee its long-term stability.