Research On Evaluation And Countermeasures Of Old-age Insurance Level For Urban And Rural Residents In Shanxi Province

Because urban and rural residents endowment insurance in the overall implementation of the nationwide,has kept the domestic high-profile target-"old time" to achieve the institutional guarantee,but if we can finish this goal and problems of the pensions system is fair,also look at the current endowment insurance level of income and expenditure,coverage and a series of indexes can meet the basic needs in the elderly.Nowadays,due to the family planning policy implemented in the1980 s,most families in cities belong to the one-child family,and their children go out to work and study,making them the "empty nest" group.In rural areas,most young and middle-aged people go out to work and leave the elderly at home,so the old-age care of the elderly in urban and rural areas should be widely concerned.At the same time,China’s population aging trend is also deepening,how to better guarantee the basic living needs of the elderly in urban and rural areas,so that the implementation of the endowment security policy to better operation is particularly important.This paper studies the endowment insurance level of urban and rural residents in Shanxi Province,which is of great significance to improve the endowment insurance level of urban and rural residents in Shanxi Province and to improve its system.In this paper,the author first searched and collected relevant materials and literatures on the endowment insurance of urban and rural residents in Shanxi Province,and screened,classified and summarized the contents of each part to be studied according to the listed framework.At the same time,the concepts and theories that need to be defined for endowment insurance level are described based on the literature.Secondly,it makes a qualitative analysis of the content and development of the old-age insurance system for urban and rural residents in Shanxi Province.Thirdly,it evaluates the expenditure level,income level and coverage of pension fund for urban and rural residents in Shanxi Province vertically,and compares it with the basic pension insurance level of urban workers in China,other provinces and Shanxi Province horizontally.In addition,it also calculates the appropriate level range of old-age insurance for urban and rural residents in Shanxi Province and compares it with the actual level.The final conclusion is that the level of old-age insurance of urban and rural residents in Shanxi Province is low and obviously lower than the lower limit of the appropriate level.Finally,it concludes that the reasons for the low level of old-age insurance for urban and rural residents in Shanxi Province are as follows: small government financial input,insufficient individual contribution,low fund pooling level and difficulty in appreciation.According to the above reasons,the corresponding countermeasures and Suggestions are put forward,that is,increase the financial support of the government,increase the individual contribution amount of the payer,and improve the fund application mechanism.