Study On The Implementation Status Of Basic Endowment Insurance For Urban And Rural Residents In Small And Medium Cities

After years of exploration and development,China's social old-age insurance has now established a basic social old-age insurance system consisting of three parts:the basic old-age insurance for urban workers,the old-age insurance for government agencies and institutions,and the old-age insurance for urban and rural residents,covering all occupational groups and urban and rural residents.At a time when pension coverage is gradually expanding,the implementation of the basic old-age insurance system for urban and rural residents deserves attention.Compared with the relatively perfect implementation of old-age insurance in big cities,the implementation effect of the basic old-age insurance system for urban and rural residents in small and medium-sized cities is not ideal due to the limitation of economic development level.This study takes the basic old-age insurance for urban and rural residents in small and medium-sized cities as the research object,taking M city in A province as an example.Starting from the theories of social equity and social citizenship,this paper explores the continuous development process of the basic old-age insurance system for urban and rural residents by combing the evolution of the rural social old-age insurance,the new rural social old-age insurance and the basic old-age insurance system for urban and rural residents.In view of the current status of the implementation of the basic old-age insurance system for urban and rural residents in small and medium-sized cities,the evaluation index system of the system operation effect is constructed from the four dimensions of fairness,adaptability,effectiveness and sustainability of the system.Based on the effective sample data obtained from the investigation,SPSS statistical software is used to process and analyze the data to analyze the current implementation effect of basic old-age insurance for urban and rural residents in small and medium-sized cities.According to the results of the study,this study analyzes the difficulties and reasons in the implementation of the current basic old-age insurance system for urban and rural residents.On this basis,it proposes to establish a diversified old-age insurance system.Consolidate the construction of basic social security institutions and improve the service level;Strict fund supervision and management,strengthen government supervision;Countermeasures and Suggestions on Perfecting Pension Subsidy System and Optimizing Pension Management and Operation.The study points out that,compared with large cities,the basic old-age insurance system for urban and rural residents in small and medium-sized cities has some consistency on one hand,but on the other hand it has some problems such as poor pertinence.The root of this lies in the gap between the rich and rapid growth of old-ageinsurance demand in small and medium-sized cities despite the large difference in economic level between urban and rural residents.How to handle the effective supply relationship between the two is a problem that the government needs to continue to think about and solve.