The Willingness Of Paying For Endowment Insurance In Chaoyang

The establishment and improvement of the social security system is of great importance to guarantee the national economic construction and development, as well as to maintain national security. In the whole social security system, the rural old-age insurance system is an extremely important one. It is closely related to the basic life of the peasant in our country. Because of the reform and opening up, China’s family planning policy and the side of the economic development strategy, has driven many rural laborers into cities and has made huge contribution for the construction of city. However, aging population is more serious in the countryside. The traditional way of raising children to take care of them when they get old has been greatly influenced. The state needs to develop new ways to adapt to the rural characteristics which can also maintain the stable unity of the new rural endowment insurance system, and also to change the traditional idea of farmers for the farmers’ pension for a certain security, based on the current situation. Since the new rural endowment insurance pilot began in 2008, farmers haven’t got much interest in joining the insurance system, and this leads to a low willingness of paying for the new agricultural insurance policy, together with the low insurance coverage, which has become the main problem in running.Under such a background, this article analyzes the facts that have an impact on people’s willingness of paying for the new rural endowment insurance in the countryside(take Chaoyang as an example), and wishes that it can be useful for the perfection and development of the new rural endowment insurance system in China, also to contribute to the development of social security system.The full text is divided into six parts. The first part is introduction, mainly elaborated the research background and research significance, research methods and innovations of this article are put forward. Definition and the second part mainly summarized some of the basic theory of rural endowment insurance, and also made some regulations towards the rural endowment insurance system both at home and abroad. The third part investigated the willingness of Chaoyang farmers to pay for endowment insurance. The fourth part analyzed the condition of Chaoyang farmers’ endowment insurance rate, and also analyzed the relevant statistics after investigating on site. The fifth part gave information for the factors that influenced Chaoyang farmers’ endowment insurance rate, basing on a large number of relevant literatures. The last part involves the basic conclusions as well as the relevant countermeasures. The results show that the variables of individual, family and policies all have an impact on the farmers’ participation of the new rural endowment insurance. On the basis of the analysis conclusion, this article also put forward reasonable suggestions for further perfecting and development of our country’s rural social endowment insurance system.