The Risk Management Research Of Urban And Rural Residents Endowment Insurance System Operation In The Western Region

Social security is a basic social economy system of modern state, which is not only an important guarantee of social stability, but also an important symbol of social civilization progress. Urban and rural residents endowment insurance started relatively late but the coverage of, there is great significance for the healthy development of China's social security. Economic and social development in western China is relatively backward, the role of urban and rural residents endowment insurance system important and features, analyzes the system of risk identification to establish risk early warning system, to the sustainable development of urban and rural residents endowment insurance systems in the western region of China and even the national urban and rural residents is of great significance to the development of the endowment insurance system perfect. This article from the perspective of risk management system of research in the western region of urban and rural residents endowment insurance, with the risk management program to promote thinking, endowment insurance system in urban and rural residents in the western areas to identify, measure, control risks; With every link of social insurance system operation flow to segment the object of study, urban and rural residents in the western areas of endowment insurance fund raise link, operating link, the payment link for risk management, investment research.By using the method of combining qualitative analysis with quantitative analysis, collect analysis data in statistical yearbook and official report this article concludes that in the western region because of the underdeveloped economy, residents' income level is relatively low and the local government financial is weak, so the financing risk. In investment operational links and payment link with eastern and central basic are facing the same risk, namely basic safety and profitability risk, operation risk and moral risk. On the basis of this puts forward the relevant method of risk control.