Study On The Rationality Of Endowment Insurance Level Based On Regional Difference Of Urban And Rural Residents

In recent years, our government has been through the pilot to explore, to find a line with the endowment insurance system of our country national condition and the "universality" of urban and rural residents, in order to effectively solve the pension problems of urban and rural residents. Influenced by different factors, pension insurance for urban and rural residents in different regions of the country development is not balanced, the regional differences is very prominent. The regional differences of urban and rural old-age security level decision will be different, but these differences there are many unreasonable places and to the current pension insurance level of urban and rural residents are difficult to guarantee the basic living need of urban and rural residents. A short period of time to achieve "target level of old-age security of universal" is a great challenge. In view of China’s urban and rural resident’s endowment insurance in a low of regional coordination and the low level of security status, we need to construct a reasonable base pension level to guarantee the basic living of urban and rural residents. Urban and rural old-age problem has become our country the great important test to build well-off society and realize China dream. Therefore, from the perspective regional differences to study urban and rural resident’s endowment insurance level, and to optimize or adjust the various regions urban and rural residents pension insurance system is of great significance.In this paper, the use of economics, management science, social security science and other disciplines relevant basic theory, using the statistical data of national and local government, using statistical and measurement method of empirical analysis, Based on the perspective of regional differences in the pension insurance system of urban and rural residents conducted system study. The definition of regional difference from economic, population and the social three aspects, in the basic theory and related basic sorted old-age security of urban and rural residents and other related concepts, to urban and rural residents endowment insurance by region partition, and on the basis of the regional division of the result, using quantitative analysis method to analyze the regional adaptability of urban and rural residents endowment insurance, and as a basis for analysis of the rationality of regional level endowment insurance for urban and rural residents, finally puts forward the adjustment and optimization of policy recommendations and research prospects of scheme of the regional level endowment insurance for urban and rural residents.The conclusions of this paper include:(1) Urban and rural pension insurance with large regional differences, the 31 provinces of our country which is divided into three kinds of regions.(2) There are differences between urban and rural residents endowment insurance regional adaptability. Social endowment insurance and family pension mode in three kinds of regional adaptability is strong, the individual self-old age security mode in the class III region of strong adaptability, while in the other two regional adaptability weaker.(3) In urban and rural residents of rural and urban insurance system optimization scheme: the first type of regional basic pe nsion is set to 330 yuan a month, the minimum payment level for local disposable income of urban and rural residents was 4%, the corresponding government subsidies to 250yuan; C lass II regional basic pension is set to 290 yuan a month, the minimum payment level for local disposable income of urban and rural residents 3.5%, government subsidies for 200yuan; C lass III regional basic pension is set to 260 yuan a month, the minimum payment level for local disposable income of urban residents 3%, government subsidies to180 yuan.The innovation of this paper includes:(1) The innovation of research perspective. According to the environment of the implementation of urban and rural resident’s endowment insurance is different, from the economy, population and the social three aspects using the method of cluster analysis of regional division.(2) The innovation of the research contents: regional adaptability with statistical analysis of urban and rural residents endowment insurance system is analyzed, found that urban and rural residents endowment insurance shows the different strength in different regions of the adaptability; Regional urban and rural residents endowment insurance level analyzed the rationality and respectively three kinds of regional urban and rural endowment insurance system residents put forward optimization scheme. KEY WORDS:Regional difference,Urban and rural residents endowment insurance,...