Research On The Payment Behavior Of Basic Pension Insurance Participants In Urban And Rural Residents Of Linfen City

The basic endowment insurance system for urban and rural residents is formed by combining the new rural social endowment insurance and urban resident social endowment insurance.It is an important part of China's endowment insurance system.It is an important part of China's endowment insurance system.With the background of a gradual aging population,it plays a role in ensuring the basic living of low-income groups in urban and rural areas in old age.The system covers more than 500 million insured residents across the country,and is highly valued by the country and the people.In the six years after the unification of the system,the basic endowment insurance for urban and rural residents has developed greatly,which the coverage of insurance coverage has gradually expanded,and pension benefits have steadily increased.But the system also faces some challenges in the process of making progress.The author researched that the urban and rural residents generally had chosen low payment of the current basic insurance and insufficient institutional incentives,etc.,so as to improve the enthusiasm of urban and rural residents to participate in insurance,guide the insureds to increase their payment levels and conduct long-term stable insurance.In addition,it is significant to improve the basic endowment insurance of urban and rural residents and achieve the goal of stable and sustainable development of the system.This paper takes a field survey to study the payment behavior of the insured population of the basic endowment insurance for urban and rural residents in Linfen.After in-depth research on the questionnaire results of urban and rural residents' payment behavior,it was found that the level of education of the insured,the income level of urban and rural residents,and the degree of understanding of policies are the same as the current payment level selected by the insured.There is a positive correlation between the level of payment,and the income level of urban and rural residents has a positive correlation with their renewal of premiums.After a comprehensive analysis of the current status and influencing factors of the insured's payment behavior,this paper studied the current problems of the basic pension insurance insured's payment behavior of urban and rural residents in Linfen,and found that the current age structure of urban and rural residents' insureds is too large and generally chose low-level payment,and the long-term and stable payment willingness of some participants are not strong.Later,the reasons for the problems were analyzed,and the reasons were that the younger insureds used the urban and rural residents' basic pension insurance system as a transition,the financial subsidies were inappropriate,the insureds lacked trust in the system,and the government did not conduct adequate publicity.Finally,it is suggested that the government's management and management capacity should be improved to better serve different educated persons.It's worth classifying administration that should be targeted at groups with different income levels.Increasing publicity of policies should be adopted to increase urban and rural residents' awareness of policies.The government is suggested to adjust the policy to optimize the policy.It's essential to improve the service level of the agency to meet the policy recommendations of urban and rural residents participating in the insurance premium payment policy.