Balance Urban And Rural Endowment Insurance Research

In the background of the growing aging of the population, the world is trying to improve the social security system both in the developed countries and the developing countries.. Standing in a different point of view, the system design level, social security responsibility sharing mechanism for systematic construction, will be the main trend of the future reform, strengthen personal duty, differentiation of government responsibility, ease aging problem national finance is faced with a dilemma. As one of the important issues in social security, pension reform has become a trend of the world.In recent years, our country of the social security system of many exploration and reform, but because of China’s unique conditions, such as distinctive urban and rural dual structure, special population structure, high maintenance rate and the big state-owned enterprises proportion and so on, let China’s social security system reform of difficult heavy, especially the pension insurance system in after a number of reforms remains the coverage is not comprehensive, system is not perfect, system of urban and rural integration etc.Based on the theory and the relationship between urban and rural old-age security, the specific analysis of the current situation of the development of China’s endowment insurance system and difficulties still exist, from the current situation of China’s urban and rural pension insurance system in our country, the integration of urban and rural endowment insurance on the road has been a big step forward, especially in2014the introduction of the "on the reform of the endowment insurance system of the government institution staffs decision" implies the existence of years of pension system was broken, the same year, the State Council issued a decision to present the new rural social pension insurance system and urban residents social pension insurance system combination, establish a unified basic old-age insurance system for urban and rural residents, and to achieve the goal of China’s urban and rural pension insurance system.The biggest innovation of this paper is put forward a set of complete old-age security system integration model, to further explore the relationship between the basic old-age insurance for enterprise employees, the institutions endowment insurance and urban and rural residents endowment insurance transfer and continuity, and the construction of a unified multi-level endowment insurance system model.The unity of urban and rural endowment insurance system in China has made the concept and the basic old-age insurance system, pension system, individual saving endowment insurance system for "three pillars", and put forward the matching auxiliary system used to share the burden of social endowment.From the viewpoint of promoting the development of urban and rural integration, we suggest that we can construct a system of urban and rural pension insurance which can cover the whole citizen.From the theory to solve China endowment insurance system resource allocation is not reasonable, basic endowment insurance relationship transfer, urban and rural pension insurance system integration and the research has given a certain guiding significance, and hope that through the promotion of pilot work for urban and rural old-age insurance system reform has good effect of practice.