Research On Problems And Countermeasures Of Social Endowment Insurance For Urban And Rural Residents In N District

The social security system is a safety valve,lubricant and regulator for social development.In September 2009,China started the implementation of the new rural social endowment insurance system,and in June 2011 the implementation of the social endowment insurance system for urban residents.In February 2014,the State Council issued "the Opinions on Establishing a Unified Basic Endowment Insurance System for Urban and Rural Residents" and deciding to combine the two systems of the new rural social pension insurance system and the urban social pension insurance system,It marks the formal establishment of a unified basic old-age insurance system for urban and rural residents(hereinafter referred to as the old-age insurance for urban and rural residents)in China.Based on the political science and economic theory of pension insurance,the article adopts the research methods of collective interview and empirical research,historical analysis and comparative analysis,and quantitative and qualitative analysis through field research.The article analyzes the background of the establishment and implementation of social pension insurance for urban and rural residents,comparing the payment standards,the overall planning mechanism,and the distribution of benefits with urban employees' endowment insurance,we identified the outstanding problems in the implementation of the social endowment insurance system for urban and rural residents,and proposed improvement measures.With a view to promoting the sustainable and healthy development of the social pension insurance system for urban and rural residents in China.Through the study,the article holds that the overall operation of the social pension insurance system for urban and rural residents in China has been stable and has achieved remarkable results,but there are still problems such as low level of security,insufficient incentives,unreasonable transfer and succession,and inadequate supervision.By drawing lessons from the advanced models of social old-age insurance in rural areas abroad and comparing them with basic old-age insurance and commercial old-age insurance for urban workers,the article believes that while we are constantly drawing on the advanced experience at home and abroad,we should continue to take the lead in legislation and clarify the responsibilities of the government.We will steadily improve social pension insurance benefits for urban and rural residents through the establishment of a regular adjustment mechanism.At the same time,we will explore new ways of transterritorial transfer and succession of urban and occupational pension insurance systems,enhance the ability to maintain and increase the value of funds,and finally achieve the unification of the social pension insurance system in our country,so as to achieve the equalization of basic public services and the fairness of social values.