Study On The Target And Realization Mechanism Of The Basic Endowment Insurance System For Urban And Rural Residents

In 2014,the State Council promulgated the Opinions on Establishing a Unified Urban and Rural Residents' Pension Insurance System(hereinafter referred to as “Opinions”),which marked the beginning of the establishment of a basic endowment insurance system for urban and rural residents in China as an important livelihood project and Huimin policy.The implementation of this project is of great significance in promoting the coordinated development of urban and rural areas,narrowing the gap between urban and rural areas,coping with the crisis of population aging,and ensuring the basic lives of the elderly.Jing Tiankui and others proposed that the purpose of the basic pension insurance system is to provide income replacement and protect the basic living needs of the elderly.The goal of the basic endowment insurance system for urban and rural residents in China is to establish a general-purpose pension insurance system covering urban and rural areas to ensure the basic living needs of elderly people in urban and rural areas.On the one hand,it reflects social fairness and on the other hand,coping with the crisis of population aging.However,with regard to the implementation of the basic old-age insurance system for urban and rural residents in China for several years,its institutional goals have not been well achieved.Then,what are the factors affecting the realization of the goals of the basic endowment insurance system for urban and rural residents in China? What kind of operating mechanism is needed to achieve its institutional goals? This is the focus and core of this study.In view of this,through the combing of existing literature and research results at home and abroad,this paper combines the development history of China's urban and rural residents' social endowment insurance system,and outlines the goals of China's urban and rural residents' social endowment insurance system as "wide coverage,multi-subject,basic protection and fair play;based on the statistical data released by the state,combined with the questionnaire survey on the achievement of the goal of urban and rural residents' endowment insurance system in summer,it was found that part of the goal of system is realized,but there are still many to be perfected and improved,including level of guarantee,social equity,and diversified social security system for old-age pensions,combined with actual analysis,the factors affecting the goals of the social endowment insurance system for urban and rural residents in China mainly include the system in terms of system design,system implementation ?and system cohesion,economic aspects of the system reform,economic development level,economic development rate and urban-rural economic development level,social and cultural aspects of traditional cultural concepts,government policy concepts,family consumption preferences and diverse social trends of thought,etc.;Research suggests that the current in order to ensure to achieve the goal of social endowment insurance system of urban and rural residents in our country,should focus on extending from the fund raising channels,fund investment operation mechanism The implementation of the targets should focus on the expansion of fund-raising channels,perfect the supervision and management of urban and rural residence insurance funds;Improve the management system,build multi-service platform,and strengthen the training of staff;To understand the main content of the cohesion,to improve the understanding of the cohesive mechanism,to improve the cohesive mechanism of long –term residence protection;Perfecting legal system,improve and perfect the scientific and civilized law enforcement,and other aspects to improve and perfect the operating mechanism of urban and rural life insurance,and effectively guarantee the realization of urban and rural life insurance goals and the improvement and perfection of our country's social pension security system.