Analysis Of The Present Situation Of Endowment Insurance For Urban Residents

In the context of the growing global ageing problem,many countries in the world have gradually stepped into an aging society by Young Society.China as a "not rich and old" in the development of the big country,and more than other countries faster speed into the aging society.So many social problems may arise from the ageing of the population.Therefore,solve the problems brought about by the aging of the population,such as old age pension and guarantee the good quality of life which has become the focus of Chinese social problems is particularly important.The Endowment insurance level is an important parameter in the research of social security level.In restricting the overall level of social security,it is not only reflecting the level of social endowment security and the size of capital demand,but also directly related to the basic living needs and quality of life of the elderly population,has become the country and region to regulate the level of local social security,control the cost of financial expenditure key factors.So reasonable to determine the level of endowment insurance,it means that the gross national product,social income level,the quality of life of residents have a clearer understanding,so as to make normative guidance and sustainability adjustment.In this paper,based on the famous Life Cycle Theory,Over Lapping Generation Models(OLG Models),Connotative Agreement Theory in economics theory and social Security,this paper adopts the method of quantitative research and qualitative analysis to calculate the correlation coefficient of endowment insurance according to the measurement method of social security coefficient,and obtains the basic endowment insurance level of the current urban society in Henan province,and establishes the model of moderate level of urban social endowment insurance.Based on this data,the reasonable interval of the moderate level of urban social endowment insurance in Henan province is defined.On the basis of the previous analysis and research,combining the general level of endowment insurance in China and the empirical analysis of the pension insurance reform of the typical countries abroad,aiming at the problems existing in the urban social endowment insurance system in Henan province,from different angles,we propose the relevant policy suggestions,so as to solve the main problems of the old-age insurance in Henan province,and promote the harmonious and stable development of economy and society.