Research On The Rural Social Security System Based On Agricultural Household Models

Compared with urban social security system, it constructions in rural China starts late, and with many gaps and difficulties. As a social "safety net" and "shock absorber", the social security system plays an important role to maintain social stability, regulate the rural economic development. Therefore, to perfect the rural social security system has been attracted the national leaders attention, so do farmers are looking forward it. Leaders at 18 th meeting and the third plenary session of the eighteenth meeting, and “the government work report of 2015” keep stating the importance of perfecting the social security system, and put forward " promoting the construction of urban and rural social security system as a whole ", "building a more equitable and sustainable social security system" and "strengthening the social security and increasing the income of residents" overall development requirements, these requirements pointed out the direction to improve the rural social security system. Balance urban and rural social security system is the future direction of development: balance urban and rural basic endowment insurance, basic medical insurance of urban and rural and urban and rural minimum living guarantee, realize social insurance relations transfer cohesion, etc.As an economic means to maintain political stability, the modern social security system is the product of the western countries after the industrial revolution reason, it set up for security landless labors in the loss of labor, and the basic life as they age. In China's rural, land security has been farmers' basic living security. Along with our country land system reform and the weakening of family function, several times of the traditional rural social security by the collective support to family support, development to the modern rural social security system. Balance urban and rural social security system faces many problems. The current rural social security system "fragmentation" serious, difficult to plan as a whole; Weaken the family security, national finance payment faces pressure; Double production and life risk faced by farmers, risk aversion is difficult. With the further development of rural economy, farmers production mode of operation is gradually changing, then the decision-making behavior of the farmers and farmers risk also change, so as to resolve the risk of farmers' social security should be perfected.Research from the micro perspective of the decision-making behavior of peasant household.Using case analysis of peasant household risk, analyzing of factors affecting the optimal size of social security based on the model of behavior of peasant, the model results on four factors: confronted with adverse impact consumption rate, coefficient of relative risk aversion coefficient, relatively cautious and continuous production after encountering external adverse impacts on social security payment elasticity coefficient. To macro data and field are two counties in Wuling mountainous area as an example, through empirical study inspection farmers social security selection effect, the empirical research shows that: as the change of farmers livelihood, not only the original farmers engaged in agricultural production of disease risk, natural risk, life also involves the risk of policy changes and other force majeure; Farmers risk-averse approach also change, farmers rely on savings, human capital investment, to participate in social insurance and commercial insurance and access to rural residents to avoid risk. Finally, based on the empirical results, some suggestions are put forward.