The Security Level Of Urban And Rural Residents Pension Research Under The Perspective Of Payment Level

In summing up the new rural social pension insurance and urban residents social pension insurance on the basis of pilot experience, in February 2014, the State Council decided that merged the new rural social pension insurance and urban residents social pension insurance two systems into urban and rural resident pension insurance system, uniformed implementation throughout the country. Macroscopically, the system is an important strategic initiatives to implement the scientific development concept, balanced urban and rural development, improve the social security system, build a moderately prosperous society. Microscopically, the system is of great significance to guarantee the basic livelihood of the residens, adjust income distribution, also improve the rural and urban social and economic coordinated development.Parts of area began to implement the urban and rural residents pension insurance in 2011, there is a bad phenomenon called minimum payment difficulties phenomenon, meaning most residents choose the lowest pay grade when took part in the pension insurance. Although the insurance rate is high, the quality is low. On the one hand, the willingness of the main body of the residents take the initiative to undertake the payment of insurance obligations is low; on the other hand, pension payments deficit for the first time in November 2015, only emphasizes the increasing governments on fiscal expenditure has now become unrealistic. Lower contribution levels can neither guarantee basic living needs, and nor make the system sustainable operation. In order to get out the plight of minimum payment condition, guarantee residents’ basic living needs, the paper studies the security level of urban and rural resident pension insurance in the perspective of pay grades.Based on the theory of urban and rural development, rational choice theory, field theory as the theoretical basis for the study. First, to comb the development process and the status of implementation of urban and rural residents pension insurance, analyze the mainly current division of two major payment grades: grade fixed payment and dynamic proportions pay grades, and further demonstrate the relationship between the level of pension payment and the level of urban and rural residents pension insurance. Then, to use the 432 questionnaires data about payment grade factors in Hefei urban and rural residents, combine qualitative description and quantitative analysis, find most significant factors that affecting residential payment grade by studing the factors that affecting pay grades, and improve payment levels to improve level pension insurance. Finally, make fully ues of Hefei Statistical Yearbook data, estimate the gap between supply and demand levels of urban and rural residents pension insurance, comprehensively considerate basic pension subsidies, government subsidies and other payment adjusting the level of pension insurance, at least meet basic security needs. Generally, the paper has uesd the crossing contingency table, stepwise regression, logistic model, extended linear expenditure model and pension actuarial models to demonstrate research.According to in-depth study, the following conclusions:(1) current supply of urban and rural residents pension replacement rate is less than the residents of the pension replacement rate of demand,the system can not guarantee the basic living needs, personal accounts take little support in whole security.(2) According to a survey, residents choose to pay the lowest grade 100-200 yuan about 53.2%, 300-500 yuan accouns for 14.6%, the results similar to real phenomenon;(3) According to the actuarial results, urban residents the best level of payment about 1000 yuan / year, farmers payment the best level of 500 yuan / year, and the payment level must be adjusted as the socio-economic changes;(4) According to a desired maximum subsidy rate government payment principle, simulated government subsidies payment incentives, improve the shortcomings of the existing payment incentives.In line with the results of study, from government and individual to suggeste a targeted and feasible policy recommendations.