Study On Current Implementation Situation And Measure Of Basic Endowment Insurance System For Urban And Rural Residents

The “dual-system” urban-rural development structure has existed for a long time in our country, which is mainly reflect in the separation and parallel of the endowment insurance for new rural residents and the endowment insurance for urban residents in the field of resident endowment insurance. Until February 2014, the State Council merged the endowment insurance for new rural residents and the endowment insurance for urban residents into the basic endowment insurance for urban-rural residents, which is called resident insurance for short. This act is an important measure for realizing urban-rural coordination and maintaining social fairness and justice, as well as an important step of promoting full coverage of the basic endowment insurance system for urban-rural residents, which plays an important role in changing the fragmentation situation of our country’s endowment insurance. Yicheng district leads the whole province and even the whole country in the aspect of coordinating the basic endowment insurance for urban-rural residents. It has established uniform basic endowment insurance system for urban-rural residents since 2009. After years of adjustment and development, the basic endowment insurance system for urban-rural residents has covered the whole district and basically all people have participated in the insurance. But during research, the author finds that there are still many problems during implementation of basic endowment insurance system for urban-rural residents of Yicheng district. In this paper, the current situation and measures of Yicheng district coordinating the basic endowment insurance for urban-rural residents are studied, so as to find the main existing problems after coordination of the basic endowment insurance for urban-rural residents as well as related reasons, and then to propose corresponding suggestions.In this paper, through a large number of investigations and interviews and study on a large amount of domestic and foreign literature, the basic endowment insurance for urban-rural residents is deeply summarized. First of all, the formulation of endowment insurance system for urban-rural residents in three typical regions including Beijing, Chongqing and Baoji and two typical countries including Germany and Japan, as well as the highlights during operation are described, so as to provide effective experience in reform of improvement of the basic endowment insurance system for urban-rural residents of Yicheng district. Secondly, the development history and current situation of the basic endowment insurance for urban-rural residents of Yicheng district are discussed, so as to provide realistic basis for proposal of problems and reason analysis. Thirdly, in combination with the content of investigation and interviews, it is analyzed that some main highlighting problems exist during the development of the basic endowment insurance for urban-rural residents of Yicheng district, including poor coordination of relevant departments, nonstandard management of competent institutions, high pressure on expanding insurance participation, difficulty in realization of collective allowance and single approach of fund increment. Finally, in order to solve the existing problems, measures and suggestions for improving the basic endowment insurance system for urban-rural residents of Yicheng district: strengthening function division, clearly determining government’s responsibilities, improving the coordination level of endowment insurance fund for urban-rural residents, strengthening the capability of preserving and increasing value, innovating management ability, improving service quality, developing collective economy, implementing collective allowance, determining propaganda focus, enhancing urban-rural residents’ awareness of participating in insurance, increasing financial investment continuously, optimizing the structure of financial expenditure, perfecting policies on payment and subsidies, promoting gradient subsidy system, innovating endowment mode and gradually improving supplemental endowment mode like community endowment.