Study On The Payment Behavior And Guidance Of The Participants Of Basic Old-age Insurance For Urban And Rural Residents

The basic old-age insurance system for urban and rural residents is an important part of the old-age insurance system with Chinese characteristics.It covers more than 500 million urban and rural residents,which is highly valued and paid unprecedented attention by all sectors of society.With the transformation of major social contradictions in china,the continuous deepening of reforms and economic development have entered the new normal,the old-age insurance system in urban and rural residents faces unprecedented opportunities while meeting historic opportunities.In order to research and solve the current problems of low premiums for urban and rural residents insurance and the decrease of the number of actual payment personnel,efforts to improve the insurance renewal of urban and rural residents enthusiasm,promote high-grade payment and long-term payment,this paper takes the city of Changsha as the investigation sites,and takes the urban and rural residents' endowment insurance system as the research object.Through the methods of questionnaire investigation and interview of 643 urban and rural residents,the survey found that the current age structure and payment levels of pensioners for urban and' rural residents are uneven,the participants mainly include middle-aged and old people with low education and low income,the overall level of payment is low,and part of the participants'willingness to renew insurance and keep the long-term payment is not strong.Through in-depth analysis of the factors affecting urban and rural residents,payment behavior,it is found that the level of education,personal economic income,the degree of understanding of the policy,has a positive correlation with the current premium grade choice and the acceptable maximum payment scale.And There is a positive correlation between the income level and the renewal behavior of the insured.On this basis,it is proposed that we should take the following measures to guide the urban and rural residents to pay the pension insurance,such as insist on people oriented and do well the personnel service with different Education level,take differential measures to guide the different groups of economic income to participate in the payment of insurance premiums,increase pcublicity efforts to improve urban and rural residents' policy cognition,improve the policy to promote long-term premium payment of insured personnel,optimize the services to enhance the urban and rural residents' participation in insurance and payment experience,etc.