A Study On Endowment Insurance System For Urban And Rural Residents In Dianjun District Of Yichang City

In recent years,China has attached great importance to the establishment and improvement of the social security system in response to the aging problem brought about by the aging population,and has made great progress.However,compared with developed countries,the development of social security in China lags behind the national economy and does not live up to people's expectation.Due to the urban-rural dualistic structure,there are great differences between urban and rural areas in the development level of pension and health insurance schemes and the level of insurance.In 2014,China integrated the new rural pension insurance schemes implemented in 2009 and the urban residents pension insurance schemes implemented in 2011 into the basic pension insurance and health insurance schemes between urban and rural residents,which mainly targeted non-working urban and rural residents.The pension and health insurance schemes has solved contradictions and differences between the urban and rural areas on social insurance policies,the treatment standards,and resources management,which have achieved 'four unifications'--unified system names,policy standards,management services,and information systems and have taken a very crucial step toward social fairness and justice.However,this step is only the beginning of the development of the basic pension and health insurance schemes for urban and rural residents.How to achieve a high-level and sustainable development of the basic pension and health insurance schemes for urban and rural residents plays a significant role in narrowing the gap between urban and rural areas,easing urban-rural conflicts,safeguarding fairness and justice,and ensuring social stability.The author,adopts literature analysis and comparative analysis,analyzes the advantages and disadvantages of three kinds of rural social old-age insurance models in foreign countries.Moreover,the authormakes a comprehensive review of the development process of rural old-age insurance in China,and makes a brief analysis of the historical background,practical needs and system characteristics of each stage,so as to understand the basic track,basic characteristics and basic requirements of the development of urban and rural residential insurance.This paper,with reference on the implementation of basic pension and health insurance for urban and rural residents in Dianjun District of Yichang City,analyzes the basic pension and health insurance schemes for urban and rural residents and finds out its five major problems:flaws of schemes for sustainable development,weak awareness of the people involved in the public service,low level of pension security and service,and lagging management of fund investment,and proposes five specific solutions:to improve the insurance incentive mechanism;to increase the investment of government funds;to improve the level of old-age security;to strengthen the propaganda and interpretation ofpolicy;to improve the level of the management andservice.