The Integration Of Urban And Rural Residents Basic Pension Insurance Countermeasure Research

The integration of basic old-age insurance of urban and rural resident is an inevitable for the development of it,as well as it's also an important content to construct the harmonious society.Constructing an integration basic old-age insurance for urban and rural residents is of great significant to maintain the social fairness and justice,for the people to share the achievement of reform and development,and to realize a overall healthy society in 2020.The article is guided by the theory of the relationship of urban and rural of Marxism,the theory of guaranteeing and improving people's livelihood,and the theory to realize and maintain social fairness and justice,and focus on the analysis of the difficulties that the integration of basic old-age insurance for urban and rural resident is faced with mainly from the system,government financial responsibility,personal payment,regulations and service platform construction and other aspects.Through research,the paper draws the following views:?With the development of urbanization's process of our country,the integration of basic old-age insurance for urban and rural residents has become an important content of government work.But the development of it also faced with a series of difficulties with the shorten of normal basic pension adjustment.The main difficulties focus on the low level of pension treatment,the lack of normal pension adjustment mechanism,the low level of personal account interest,the unsustainability of local government financial subsidies,the low level of personal payment,a lack in pay of young people,a lack in laws and regulations and service platform is imperfect.?With the analysis of the difficulties of the integration of the basic old-age insurance of urban and rural residents we find that:the system factors that restrict old-age insurance integration are pension treatment,basic pension adjustment and personal account.The imperfection financial responsibility of the governments at all levels is the material basic to restrict a integration of basic old-age insurance for it.The lack level of personal pay,and negative payment of young and middle-aged people are the subjective factors that restrict the integration of basic old-age insurance for urban and rural residents.The imperfection of laws and regulations and service platform construction is the objection factor that restricts the integration of urban and rural residents' old-age insurance.?Due to the importance of the integration of urban and rural residents' basic old-age insurance,we need to discuss from the macro and micro multi-level,from the government service platform multi-subject,from the laws and regulations and service platform multi-angle.Coming up with countermeasures and suggestions mainly from the reformation and innovation of urban and rural residents' pension insurance,improving government financial responsibility,enhancing personal payment ability and promoting laws and regulations and service platform construction.