| Under the background of the increasingly serious aging of population,the development of basic endowment insurance for urban and rural residents will help the elderly in both areas relieve their worries about the pension problems and share the fruits of economic and social development.As one of the top 100 counties in China,Shouguang City has been in the forefront of the province's reform and development of endowment insurance.Before the implementation of the new rural insurance in the country,Shouguang City began to carry out the new rural social endowment insurance in July 2009.In December 2009,Shouguang City was listed as the only one of the first batch of new rural insurance pilot counties in Weifang City,Shandong Province.From the perspective of the Shandong Province and even the whole country,the development of the basic old-age insurance for urban and rural residents in Shouguang City started earlier,the treatment level is relatively high,the running condition is good and accumulated many valuable experiences in the process of development,which can be used for reference by other regions.But there are also many prominent problems that need to be solved.Therefore,the basic endowment insurance for urban and rural residents in Shouguang City is typical and representative.In view of the relevant literature,this paper,based on the policies,statistics and interview data of basic old-age insurance for urban and rural residents in Shouguang City,analyzes the development status,main problems and causes of the basic old-age insurance for urban and rural residents in Shouguang City,and on the basic of summarizing the inspirations of domestic and foreign residents' pension insurance,the countermeasures for improving the basic endowment insurance for urban and rural residents in Shouguang City are put forward.The study found that the basic endowment insurance for urban and rural residents in Shouguang City has achieved the highest level of insurance coverage and the level of treatment in the forefront of Weifang City,and the ability of handle it has increased significantly.At present,the main problems existing in the basic old-age insurance for urban and rural residents in Shouguang City are as follows.Firstly,some people,especially young people,are not motivated to participate in the insurance.Secondly,most of the insured personnel have low choice of payment grades,low level of pension insurance,lack of normal incentive mechanism.Thirdly,the grassroots social security management staff are insufficiently equipped,the service capacity needs to be improved,and the level of informatization needs to be further raised.There are several main reasons for these problems.Firstly,the residents' misunderstanding of the endowment insurance and the imperfect system construction.Then,the relatively insufficient financial and human capital investment,the lack of effective fund management and operation means.Finally,The information resources sharing between departments is more inferior.In view of the existing problems and causes,combined with the enlightenment of domestic and foreign residents' endowment insurance,this study puts forward the countermeasures of perfecting the basic old-age insurance for the urban and rural residents of Shouguang City from six aspects.Firstly,vigorously develop economy and provide a solid material foundation for the basic old-age insurance for urban and rural residents.Secondly,strengthen publicity and raise residents' awareness of the importance of endowment insurance.Thirdly,improve system construction and establish a normal growth mechanism for treatment and more incentives for overpayment.Fourthly,strengthen financial input and provide sufficient financial support for basic endowment insurance.Fifthly,improve fund management and operation level of the endowment insurance fund.Sixthly,enhance the handling capacity and provide service guarantee for the development of basic old-age insurance for urban and rural residents. |
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