Study On Fundraising Problem Of New Rural Social Endowment Insurance

According to the sixth national population census in 2010 shows that about 178 million people over 60 on our country at present, accounting for 13.26% of the total population, and about 80% of the total number is the rural elderly population. Compared with the urban elderly residents, the rural elderly risidents faced with poor economic and social environment, health, old living facilities, etc. Since 2009, the Chinese government has realized the epoch-making stride in the field of old-age security, the state council promulgated and implemented the implementation of the new type of rural social endowment insurance pilot guidance ", decided to set up a covering rural social endowment insurance system, the implementation of the system indicates long plagued China’s majority of the population problem will be settled.In 2009 the first batch of national new farming maintain pilot.In 2010, 2011, the second and third batch subsequently launched, then all over the country in the beginning of a new system of rural endowment insurance pilot work. Beijing, Tianjin, Liaoning, Shanghai, Jiangsu, Zhejiang, Fujian, Shandong, Hainan, Chongqing, Tibet, Shaanxi, Qinghai, Ningxia, Xinjiang realizing a complete coverage of the new agricultural insurance system, ethnic minority areas and poor areas, border areas, old revolutionary base areas cover a whole more than 85%, 364 million join the system, 103 million people get the pay of provide for the aged. After these years of exploration, a number of typical new agricultural insurance mode has initially formed, such as, in Nanjing, Yixing, the mode according to the local actual situation, not only consider the real-life problems of farmers, also fully mobilized farmers ginseng protect enthusiasm, promoting new farming maintain breadth and depth of fundraising progress. Xintai, as the country’s second batch of pioneer in strict accordance with national standards, creative new farming maintain pilot work, now have achieved 100% coverage.Compared with the old system, the development of the new rural social endowment insurance can roll up, the key is the embodiment of the government responsibility has made great progress. At the new system, the central government and local governments will share the economic responsibility of the farmers’ pension, but the government financial input, the system security level, farmers ginseng protect enthusiasm and institutional sustainability remains to be further improved. In this paper, through literature analysis, case method, combining qualitative analysis with quantitative analysis, according to the problems in Xiaohenan,Yangsha,Guanqiao village since 2010, the old clearance and other typical new farming maintain financing situation, the questionnaire survey to research shows that the current new rural insurance system running effect is not optimistic, young people join the grade is low, ginseng protect enthusiasm is not high, the system presents the negative attitude, lack of power, lack of resources for the sustainable development of its.Based on the above problems, this paper stands in the Angle of the grassroots government financing for new agricultural insurance system of the construction of the three parties has carried on the system analysis, and put forward the policy Suggestions to perfect the government responsibility. The article is divided into six chapters: the first chapter, introduced the thesis research background and significance, and research on fund financing abroad are reviewed. The second chapter, explains the relevant concept definition and theory, mainly for financing mechanisms, such as a new type of rural social endowment insurance concept is defined, the public goods theory, market failure and state interventionism, welfare economics, and the theory of maslow’s hierarchy of needs theory systematically expounded, and the tripartite funding factor was clear responsibility and role orientation. The third chapter, the financing mode of rural endowment insurance in China, and draw lessons from the domestic and foreign typical experience and good practice, summed up the favorable to promote the development of new agricultural insurance mode. The fourth chapter, through the data analysis and questionnaire, analysis in the process of financing constraints, explore the reason, starting from the reasons, suit the remedy to the case, find out the solution to the problem. The fifth chapter, the paper puts forward the feasible Suggestions to solve the problem of financing, mainly from the strengthening propaganda and education, increase the village collective income, strengthening the government responsibility, perfecting the legal laws and regulations, broaden the financing channels, and other aspects, constantly improve the new agricultural insurance system, fully guarantee the farmer’s basic life. The sixth chapter, conclusion. This article tries to point of innovation lies in through the village and the villagers’ research, analysis of the plight of new agricultural insurance fund raising, and puts forward the countermeasures, find out the most suitable for grass-roots farmers pay cost level.