A Study On Treatment Realization And The Participation Behavior Of Urban And Rural Residents Social Endowment Insurance

At present,the urban and rural residents' Insurance in Fujian has basically achieved full coverage,but the low level of payment leads to the low level of pension treatment.It is difficult to meet the standard of subsistence allowances and the standard of poverty alleviation standard(Fujian Province,2016),which can not guarantee the basic living requirement of the elderly.Over the years,urban and rural residents can hardly play the role of social pension.Based on this,it is more meaningful to achieve the subsistence standard and the standard of poverty alleviation by adjusting the way of financial subsidies according to the insured behavior and willingness.In this paper,data from ten villages in rural areas of Fujian province and observation data from fixed observation villages are used.Firstly,we use panel data model to empirically analyze the influencing factors of farmers' participation in insurance.The results show that:(1)in the financial subsidy policy,the level of basic pension treatment,the level of Payment level subsidy and the pension subsidy are significantly affect farmers participation in insurance.With the improvement of the level of the financial subsidies,the enthusiasm of the farmers will increase and the level of their own payment will be improved.(2)the total family population significantly influences the participation of the farmers,the more the family population,the lower the enthusiasm of the farmers,which is basically the choice of 100 yuan payment grade or the direct choice of uninsured.(3)total household income,labor force and risk preference of peasant households have no significant impact on farmers insurance behavior.Secondly Through descriptive statistics,the farmers'willingness to participate under different financial subsidies is analyzed.The results show that farmers are more willing to choose higher payment grades with the increase of the level of financial subsidies.The farmers who adjust the paying grade are more concentrated on the choice of 200-500 yuan payment grade.Thirdly descriptive statistics is used to analyze farmers' pension income under different financial subsidies.The results show that(1)the income of farmers' pension insurance want to reach the standard of low insurance standard,the way of financial subsidy should be the second,and it needs to be insured for 20 years continuously and the premium grade of 200 yuan and above should be selected.(2)the income of farmers' pension insurance should reach the standard of poverty alleviation.The way of financial subsidy should be the third schemes,it needs to be insured for 20 years.Farmers can choose any level of standard payment.This paper proposes the following suggestions based on the empirical analysis results for urban and rural residents' protection:(1)Strengthen the effective propaganda of urban and rural endowment insurance and increase the awareness of rural residents' financial subsidy policies;(2)Raise the level of subsidy for rural and urban residents and increase the financial subsidy Positive incentives;(3)Raising pension subsidies for years and raising the minimum payment period;(4)Raising basic minimum pension standards to protect residents' living standards in old age;(5)Broadening the sources of social pension insurance funds to ensure the protection of urban and rural residents The policy is sustainable.