Research On The Implementation Of Endowment Insurance For Urban And Rural Residents In Binzhou

2019 marks the pivotal year for building a modestly prosperous society in all respects and realizing the first century-old goal,promoting construction of pension insurance system in both urban and rural areas profoundly exerts remarkable significance towards further improving the social security system for both urban and rural residents,achieving shared development accomplishments and advancing social stability.In February of 2014,pension insurance system for urban residents was officially integrated with system for rural residents,which represents one of thousands of strategic deployments made by the central government and State Council for advancing harmony and benefiting people's livelihood and marks a milestone in the development history of Chinese social security system.Whereas,we have only 5 years' history since the establishment and implementation of pension insurance system for both urban and rural residents in China,without comprehensive advanced design,without indigenized profound theoretical supports or rich experience for reference.It has become one of the hot topics for studying within the social security filed due to its extensive coverage of population as well as regions and diversified characteristics when carried out in different regions.Currently,although the pension insurance system for both urban and rural residents in China has basically realized complete coverage,turnouts of this system have been low,levels in covering basic risks and wide-rage income have been extremely low.In this thesis,prefecture of Binzhou will be chosen as the studying object,with theories of Marxist Social Security,fairness and justness and coordination between urban and rural areas,to name but a few,by means of looking up to references,statistics and site investigations,and the implementation status of service guarantee,resident insurance,fund raising,fund payment,fund management,and through comparison with the implementation of different economic development levels in Xuzhou,BengBu,and Qingdao.To find out the Binzhou urban and rural residents insurance system has the problems of insufficient financial input,insufficient enthusiasm for residents participation in insurance,low level system operation,low fund management level and insufficient service capacity.The author try to explored the reasons behind those problems,and believe that is closely related to the lack of relevant legislation,grassroots responsibility too heavy,unbalanced about the urban and rural development,and backward economic development.On this basis,the author combines the current level of urban and rural economic development in Binzhou City,from four aspects: improving fund coordination ability,improving fund management level,raising residents' awareness of insurance,and optimizing operation services to improve the urban and rural resident insurance system of Binzhou.So that the social pensioninsurance system for both urban and rural areas in Binzhou and other prefectures and regions in Shandong Province can be improved,positive references can be provided for enhancing the level of social pension insurance system both urban and rural areas.