Study On The Moderation Of The Level Of Pension Insurance For Urban And Rural Residents In Henan Province

In the social security system,the endowment insurance is the main part.Endowment insurance provides a guarantee for the basic life of the elderly.In 2014,China began to implement the pension insurance system for urban and rural residents,which made the goal of "the old and the old" have a system guarantee,realized the system equity of urban and rural areas in the old age,and also received the recognition of the urban and rural residents.In 2011,Henan province took the lead in the pilot work of urban and rural residents' pension insurance.The low level of endowment insurance is not conducive to the healthy development of the society.The low level of provision can not meet the basic needs of the residents.The high level of payment will make the government financial pressure,which is not conducive to the development of the economy.The appropriate level of pension insurance can reduce the gap between the rich and the poor,and ensure the basic elderly life of the insured.Therefore,it is necessary to study the level of the appropriateness of the pension.Based on this background,this paper calculates the appropriateness of urban and rural residents' pension insurance in Henan province and examines whether the present pension payment level is at a moderate level.The core contents of this paper are as follows: first look up the relevant literature on the level of endowment insurance of urban and rural residents in Henan Province,and describe and analyze the research methods and research contents,and understand the research progress in the related fields.This paper introduces the basic concepts related to this article and the main theoretical tools of welfare economics,and then introduces the development process,basic content and development status of the urban and rural residents' social endowment insurance in Henan province.In the empirical analysis part,this paper builds an appropriate level model of Pension Based on the theory of living equity and labor equity.The moderate lower limit is the use of the consumption expenditure and the per capita disposable income data of three aspects of food,clothing and accommodation in the statistical yearbook of Henan Province,and calculated by the extended expenditure model.Based on the data of urban and rural residents' income in Henan Province,we get the result of moderate upper limit.Then the appropriate test is carried out from two aspects of the basic pension payment and the overall pension payment.In the examination of the overall pension payment level,the pension income of the residents of different payment grades can be obtained by using the actuarial model of the individual pension account.Through the study,the conclusion is drawn that the pension insurance pension of urban and rural residents in Henan is lower than the moderate level,and the government has not given a definite scheme of pension adjustment at present.This paper tries to improve the security level of basic pension by setting up several dynamic adjustment schemes for basic pension,and suggests that the government should increase its finance.Subsidize the pension,strengthen the construction of the institutions to improve the convenience of the people's participation in the payment of the insurance,implement the fixed payment rate mechanism of the individual account,increase the publicity work of the pension insurance,and encourage the diversified investment of the pension fund to realize the adjustment scheme of preserving and increasing the value,so as to ensure the sustainable health insurance of the urban and rural residents in Henan province.