Research On The Implementation Problems And Countermeasures Of The Basic Endowment Insurance System For Urban And Rural Residents In Changqing District Of Jinan City

The basic endowment insurance system of urban and rural residents refers to the co-implementation of the new type of rural social endowment insurance system and urban residents social endowment insurance system, and it is a social endowment insurance system organized and implemented by the government in order to ensure the old age life of rural residents and urban non-employed residents, and it is an important part of social endowment insurance system in our country. Implementation of the basic endowment insurance system of urban and rural residents in our country has the following significance. First, it is help to deal with social problems, such as aging population and weakening family endowment. Second, it is help to promote and realize social fairness and justice. Third, it is help to promote the urban and rural equalization of basic social public services.Implementation of the basic endowment insurance system of urban and rural residents in our country not only has very important significance, but it also has the feasibility. On the one hand, the covered subjects (urban non-employed residents) of the basic endowment insurance system of urban and rural residents are similar to those of rural residents. On the other hand, the new type of rural social endowment insurance system and the urban resident social endowment insurance system have basically the same design framework.We have obtained certain achievements in implementing the basic endowment insurance system of urban and rural residents in Changqing District, and the achievements are mainly shown in the following aspects. First, it expands the scope of the insured, and basically realizes whole coverage of the system. Second, the fundamental annuity level increases year by year. Third, the insured number increases year by year, and the pension are provided timely and fully. Fourth, the pay expense of the insurance reflects the incentive measures that the more one pay, the more pensions he can get, and it cancels the associated insured, and with regard to the dead insured, it gives the funeral pensions referring to urban worker endowment insurance.Through the survey in Changqing District, it is found that the basic endowment insurance system of urban and rural residents has obtained certain achievements since it is implemented, but there are some problems in the actual promoting process. First, the residents have weak self-insurance awareness, and their insurance fee level is not high. Second, the pension has low insurance level to residents. Third, the operation and management of the endowment insurance fund are not good. Fourth, the grass-roots level organizations of the basic endowment insurance system of urban and rural residents have low service efficiency and low service level. Fifth, the connection between the basic endowment insurance system of urban and rural residents and other endowment insurance systems are not in place.The reasons of the problems in implementing the basic endowment insurance system of urban and rural residents in Changqing District have two aspects. One is the design imperfection of the system, and the other is the problems in implementation of the system. The design imperfection of the system is mainly manifested in three aspects. First, the governments at all levels do not have scientific fiscal investment proportion and configuration from pension aspects. Second, the incentive measures of insurance payment are unreasonable. Third, the connection design between the basic endowment insurance system of urban and rural residents and other endowment insurance systems are not perfect.The presenting problems in implementation progress of the basic endowment insurance system of urban and rural residents in Changqing District are from four aspects. First, the publicity of the basic endowment insurance system of urban and rural residents is not in its place. Second, the financial support of the local government is limited. Third, the pension fund investment is single and it lacks of effective supervision. Fourth, the agencies have weak power, and their construction is not sound.For the above problems, we need take effective measures from the design of the system itself and the actual execution of the system aspects to continuously improve and perfect those systems. For the problems existing in the system design itself, it can be optimized from the following three aspects. First, the fiscal responsibilities of pension subsidy should be reasonably divided from the central government and local government aspects in order to improve the pension level. Second, the effective and actual incentive insurance payment measurements should be taken. Third, the overall level should be improved to realize the smooth transition among the endowment insurance systems.For the existing problem of system implementation, the operation system of the basic endowment insurance system of urban and rural residents can be perfected from three aspects. First, the way of publicity should be improved and enhanced. Second, the pension fund investment should be broadened and its supervision should be strengthened. Third, the construction of the agencies should be enhanced and their service level should be improved.