Research On The Defference In The Level Of The Basic Old-age Insurance Benefits In Towns Of China

The new pension system in China was established in1990s. Through thedevelopment and reform of more than20years, it has made considerableachievements, and formed endowment insurance system of the combination of socialcollections and personal accounts with Chinese characteristics, as well as establishedthe normal adjustment mechanism, thus, expanding coverage of social endowmentinsurance, increasing the salary standard day by day, being mature of multi-channelfund-raising mechanism gradually, so it not only guarantees the basic life of retirees,but also makes a contribution to improve the social security system. and establishesthe normal adjustment mechanism. However, with the influence of political, economic,cultural, and social factors, China’s urban basic old-age pension system shows"unbalanced" trend, and the old-age security level of treatment in the constantadjustment also exposes many problems, especially for the imbalance for theendowment insurance treatment level of regional development and the level oftreatment group gap. The reason why the basic pension insurance benefits shows sucha complicated situation, fundamentally speaking, is that the adjustment of theendowment insurance treatments failed to operate smoothly with the standardizedtrack. Therefore, the research has practical necessity and practical significance basedon the level of basic endowment insurance treatment for urban reform.At present, although there are many differences between China’s endowmentinsurance system research articles, but the articles of the analysis system evaluationbased on old-age benefits gap in towns are few, especially lack of research onin-depth evaluation of differences on the urban pension level from the difference ofarea and population difference angle. This is a innovation point of the thesis. With alarge number of empirical data based on the social insurance agencies, and thecombination of the technical support of social security theory knowledge and therelated mathematical model, this thesis starts from the social security ofmultidisciplinary perspective, labor economics, sociology, philosophy, using thequalitative and quantitative methods, analyzes the reasons of the status and treatmentgap formation of China’s urban basic old-age insurance treatment level, and exploresthe reform of the basic endowment insurance treatment in China, so as to seek a kindof a better multiple level endowment insurance system and treatment of primary endowment insurance level adjustment mechanism both allowing moderatedifferences to exist, and the principle of fair and efficiency. All of these efforts wouldenrich and develop our country’s theory of social security system.This thesis shows that it is vital to further the reform and improve the old-ageinsurance system design and operation process based on the principle of stateresponsibility and the organic combination of market rules. And we should stick togiving priority to fairness and efficiency of combining principle so as to adjust thepension payment and payment levels scientifically and rationally, and to reduce thegap of basic endowment insurance treatment effectively between town workers intowns. Besides, we should Adhere to the principle between the level of social securityand appropriate to the level of economic development, to make all social membersenjoy the achievement of economic growth, and promote social harmony and thesustainable development of the endowment insurance in China. Based on this, foursuggestions are put forward, one is to perfect the pension treatment level regulatingmechanism, and second is to perfect the multi-level system of basic old-age insurance,Third, there is much need to make the fundamental annuities the national plan as awhole as soon as possible, fourth, to establish legal safeguard mechanism for thepension treatment level.