Impact Factors Of Participation In The Urban And Rural Pension Insurance In Hebei Province

The endowment insurance system of urban and rural residents (July1,2012,hereafter referred to as urban and rural residents Bao) started a pilot, since then, urbanand rural residents covered insurance system started. Overall, rural and urbancoverage insurance continues to expand, the number of insurance increasesceaselessly, agency management system unceasingly perfect, fund collection,management also gradually embarked on a standardized road. But, also want to seethe shortcomings of insurance system of urban and rural residents exists, such as basicpension standard is relatively low, the expected return is not optimistic, the young andmiddle-aged residents ginseng enthusiasm is not high, the pension replacement rate islow and other issues. These are serious impact on the insured the enthusiasm ofresidents, hindering the sustainable development of the system. Therefore, thegovernment should gradually improve the urban and rural residents care policies, torealize the sustainable development of rural and urban insurance system. This is toprotect the urban and rural residents "sense of security" practical needs, but alsoimplement the party’s eighteen big "put forward to ensure the sustainable" andeighteen of the Third Plenary Session of the proposed "the establishment of a moreequitable and sustainable social security system" of the specific requirements.Hebei social economic development level is not high, the implementation ofinsurance system of urban and rural residents time is not long, although theparticipation rate compared with the national level is high, but still did not reach ideallevel. Therefore, the factors influencing the study of urban and rural residents,insurance decision, reduce pension burden of residents, improve residents insuredenthusiasm, safeguard the vital interests of the masses of urban and rural residents, thesharing of the fruits of the development of socialism. This to Hebei province and itscounties (city) is of great practical significance to promote the development of ruraland urban insurance system.This paper makes a survey of382samples of basic old-age insurance pilot county urban and rural residents of Nanpi County Based on the results, fromeconomic factors (regional economic development level, the family income),individual factors (gender, age, household nature, cultural level), policy factors (thedegree of hydrolysis, understand the policy approaches and policy advocacy, degree)institutional factors (pay grade, basic pension, pension benefits and capture expendsfixed number of year) analysis of the factors influencing the residents participating inthe basic old-age insurance for urban and rural residents. And on this basis to improvethe level of the residents with insurance policy recommendations.