The Study On Coordination Of China’s Social Endowment Insurance

A coordination of urban and rural social endowment insurance system is an important part of China’s social security system,is to break the urban-rural gap and achieve social equity.Building a harmonious society is an indispensable factor.China’s current social security system is evolved by the labor and social security system of the planned economy period, by the dual system limit, showing a "fragmentation" trend.After years of deepening reform and adjustment, two systems of urban and rural residents basic pension and old-age insurance informed. Due to long-term pension reform "headache medicine head, feet hurt the disease," the lack of a reasonable top-level design, the current system is still under the low level of protection,poor incentive pay, high insurance premiums.The fund balance pressure and increasing the value of pension funds difficult issues, hindering the formation of a unified labor market, undermining social fairness and justice, but also adds a lot of administrative costs. In recent years, special emphasis on deepening the reform of the pension system, with the state’s financial ability to pay and the financial ability to enhance residents’ income and pension needs of rapid enhancement, urbanization, now ushered in the pension system to achieve co-ordination of the new era, the need to accelerate the implementation of pension insurance system convergence, old-age insurance system for rural development. In this paper, to achieve full coverage in the pension fund national co-ordination, the basic pension insurance system to achieve system-wide population coverage, pension system is fully stable, strong will of insured residents, based on the existing pension system co-ordination, and based on the proposed three-tier pension system over the framework of inclusive national pension, payment of basic pension insurance and voluntary supplementary pension insurance. The integration of urban and rural old-age Insurance ideal structure based on the current situation with reference to the pension system of our country, this paper presents an integration of urban and rural old-age insurance operating mode, hoping to provide an idea for the reform of the pension system. This model should be a notional account the nature of the national co-ordination, undifferentiated universal coverage, the real universal mutual economic co-ordination, equity and shared responsibility of the pension insurance system. In order to successfully implement this system, we need to do: clear responsibilities between central and local government; accelerate top-level design, build multi-level old-age insurance system;narrow the gap between the system and enhance the fairness of the system; a reasonable set system parameters, enhanced system science sex; implement transfer and connection between inter-regional transfer system and enhance system flexibility;endowment insurance management system, enhance service system.