Study Of Influence Of Social Insurance On Rural Elderly Poverty

In the grim background of rural economic and socety transformation,family downside,rural elderly security and welfare level has become an important starting point of the construction of old age social policy and social welfare system.During the process of the current “targeted poverty alleviation” continuing to promoted,the elderly social welfare system play a key role in eldrely poverty alleviation,which should be used more effective and sufficient.As one of the important old-age security system in rural areas,social insurance has been endowed an important expectation to ensure the sconomic safety of the elderly in rural areas,to stabilize the expectations of the elderly and to regulate the intergenerational relations of rural households.In order to explore the effect of social insurance system,especially the function in reducing the incidence of poverty in rural areas,this paper use data of China Longitudinal Health Longevity Survey data in2011(CLHLS),by divide the poverty into three dimensions——subjective poverty,objective poverty and poverty of rural elderly poverty,combined with the life-cycle theory,the theory of vulnerability and the redistribution theory,the author constructs the framework of ‘risk&guarantee',and uses the methods of statistical analysis,Logit regression analysis and PSM,this paper studies the effect of social insurance on the economic security of rural elderly and the poverty reduction in rural areas,the analysis was conducted from the vertical time dimension and the horizontal group comparison.The results show that the social insurance significantly reduces the incidence of poverty in rural areas,but it is differ in different dimensions of poverty,the poverty of rural elderly is extremely serious,and there are obvious differences in area,gender,age and family endowment,the inter-generational transfer payment is still the main source of income of the elderly in rural areas,but support power is declining,and there are two levels of differentiation because of different family conditions,due to the limited protection of the new rural cooperative medical system,medical expenditure has become the key incentive for the elderly poverty in rural areas.Based on the above analysis,this paper argues that in order to solve the problem of poverty in rural areas,it is necessary to further strengthen the basic role of the family in the economic security of the elderly in rural areas through the promotion of rural economic development.By increasing financial support,raising the level of basic pension.optimizing the system model and so on,enhance the social insurance to protect the life of rural elderly.Strengthen the risk allocation and security of the new rural cooperative medical security system,in order to reduce the probability of occurrence of the elderly in rural areas of poverty cincured by illness.Integration of government,community,social and other resources to participate in the construction of rural old-age security system.