Study On New Rural Social Endowment Insurance Under The Trend Of Population Aging In Fujian Province

Since the founding of new China,the speed of the aged tendency of population is accelerating in China,and the share of the rural aging population is higher than the city,so the population ageing problem is particularly serious.But in real life,the center of the Chinese social security system is always in the city,as for the most rural elderly endowment is mainly rely on family pension mode,it put forward a huge challenge for the construction of rural old-age security system.Because under the old system of rural endowment insurance,the security level is relatively low,it is often difficult to truly play its proper role.Under this background,the new type of rural social endowment insurance system is starting to set up and implementation.As early as 2009-2010,Fujian province has choosed 10%of the county(city,area)as a pilot and developed endowment insurance experiment,and the new type of rural social endowment insurance is basically realizing a complete coverage in Fujian province in 2012.The main purpose of this study is under the background of serious population aging in Fujian province to explore how to establish and perfect the new rural endowment insurance system,The main research contents of this article are as follow:Firstly,the article through the literature analysis method to expound the concept of the new rural endowment insurance,basic functions and the related theoretical basis(Namely the income redistribution theory and the theory of government father love);Secondly,proceed the qualitative analysis of the current situation for the aging of the population in Fujian province,and from time-series data and cross section data,through the establishment of grey forecasting GM(1,1)model to quantitatively predict the rural elderly population in Fujian province,then analysed the present situation and the future development trend of the aging of the population in rural areas of Fujian province,and it could help us to clear about effects of the population aging on the new type of rural social endowment insurance;Thirdly,this article used normative analysis method to expound the history and current situation about the development of agricultural insurance system in China,and used the comparison analytic method to interpretation the differences between the old agricultural insurance and new agricultural insurance,to expound the advantages for the fund-raising,pension benefits and system sustainability in the new agricultural insurance system;Fourthly,this paper was according to the latest census,related statistical data and the quantitative analysis method,after the analysis pointing out that under the current trend of the aging of the population,The new type of old-age insurance pension benefits in Fujian has existed some problem,such as weak pension benefits,low security level,the collective subsidies was fail to effectively implement,the collection and management of the agricultural insurance fund is separated,the effect of the maintained and added of the fund value is poor,the fund management level is low and lack of professional talent;Fifthly,using factor analysis method to analyse the system,population,economy,culture,law and so on five aspects,and obtain that the main factors to constrain the development of the new type of rural social endowment insurance in Fujian province,at the same time,proceeded quantitative analysis for the fiscal support ability of the endowment insurance in Fujian province by regression prediction model;Sixthly,this paper combining with the above five main influence factors,put forward countermeasures to improve the new type of rural social endowment insurance under the trend of population aging in Fujian province,The specific is that should be perfected the management operation mechanism of the new agricultural insurance fund,established and improved the new agricultural insurance regulatory system,strengthened the government financial investment,adjusted the pension treatment level,improved farmers’awareness and speed up the legislation of the new rural endowment insurance,and so on.