Research On Problems And Counermeasures In Implementation Of Basic Old-age Insurance System For Rural Residents

Through the comparison of China’s fifth and sixth national census results, we can see that the population in the age structure and different rising trend. The increase in the proportion of relatively stable population, the elderly population aged 60 and above, rising about 2.93 percentage points; a rise in the proportion of the population that is at least the high age, aged 65 years old and above population, up 1.91 percentage points. Urban population increased rapidly, up to 2 million people watching from the absolute number and relative number density from the point of view, the population increased by 13.46 percentage points; rural population appeared the decreasing trend of population to reduce the number of 1.3 people. From these data can be found in the age structure of population, the aging pattern has appeared in our country. At the same time, along with the deepening of the reform of the economic structure, social public interest groups formed a diversified situation, the gradual emergence of a phenomenon, is the pattern of income distribution gap phenomenon, so the contradiction of civil society the uneven distribution of the highlights. In this social context, the formation of coping with the aging problem in China’s measures to brook no delay. Only the establishment of a fair social security system to the residents, help to alleviate the contradiction of society as a whole generation. The government on social security experience of different countries, combined with China’s actual conditions, after the implementation of the new agricultural insurance in 2011 respectively in different provinces, to carry out urban and rural social endowment insurance pilot work. However, the basic old-age insurance system for urban and rural residents of the separation, whether from a social point of view, or from the rights and interests of the residents, social security benefits in the gap of the reasonable fairness. Therefore, in order to achieve the goal of "everyone a sense of fair, it is necessary to improve the system of pension insurance system, the establishment of a unified residents full coverage of the old-age insurance system.According to the "guidance" of the State Council on the urban and rural social endowment insurance pilot requirements, Jilin province since July 1,2011 in nine cities (state), step by step, in stages to carry out a comprehensive urban and rural social endowment insurance pilot work. In order to fully implement the Jilin provincial policy, conscientiously do a good job in City home insurance pilot work, combined with the actual conditions of social insurance in Baicheng City, the county urban and rural social endowment insurance pilot in Baicheng city (city, district) for the city of Baicheng, Zhenlai, Daan Taobei district. After nearly 4 years of pilot work, and achieved very good results, but there are still some problems to be solved. In this paper the social endowment insurance of urban residents in Baicheng city as the research object, through the investigation found that the basic old-age insurance system for urban residents still exist in the social endowment insurance of urban and rural residents there are adverse selection phenomenon, old-age insurance individual payment ability is poor, low income level of urban residents to pay grade expectations are different, the query is not convenient, the old-age insurance payment fund investment efficiency is relatively low. In view of these problems, in order to enter information, specialization, standardization of rural and urban residents social pension insurance policy in Baicheng City, this paper puts forward the corresponding suggestions, is the need for government agencies to strengthen the propaganda, attaches great importance to the implementation of the policy; at the same time increase government financial investment suit one’s measures to local conditions, the appropriate level of protection; widely broaden employment channels, give full play to the role of the non-public sector of the economy; according to the actual needs of the pension insurance object, to strengthen the construction of service carrier, strengthen the quality of personnel training; finally, the government should introduce cohesion of different pension policy as soon as possible, accelerate the formulation of the transfer and continuation of policies, improve the efficiency of pension fund investment.