Study On The Influencing Factors And Countermeasures Of Rural Residents’ Choice Of Endowment Insurance Premium Level In Peixian County

The principle of Chinese endowment insurance system is that rights and obligations are equal,and the core of the system is payment.The level of payment is closely related to the level of treatment.The higher the payment,the higher the quality of pension benefits enjoyed in the future.If the payment is too low,it may be difficult to ensure the basic life of the insured in the future,and my country’s pension insurance system belongs to the basic security level.The old-age insurance system for urban and rural residents allows the insured to choose the appropriate payment level according to their actual economic level.According to the principle of independent choice,the higher the payment,the more benefit in the later period.Based on rational choice theory,urban and rural planning theory and poverty psychology,this paper studies the participation of rural residents in old-age insurance in Peixian County,Jiangsu Province by means of a combination of questionnaires,field interviews and literature research.,found that even if the vast majority of people have purchased endowment insurance,there is still an embarrassing situation in which they choose the "minimum payment level" and "do not adjust the level for many years".Compared with the endowment insurance policies of surrounding counties(cities),it is still There are some gaps.Collected data through questionnaire survey,quantitatively analyzed the influencing factors of the payment grades of rural residents participating in insurance in Peixian County,and then put forward reasonable suggestions for the problems.From the macro level,it is suggested that the government improve the top-level design of the system,optimize the current payment level,adjust the insurance payment mechanism,and increase policy publicity.The study of cultural knowledge and the development of rational financial literacy.The implementation of the current basic old-age insurance system for urban and rural residents has narrowed the gap between urban and rural areas,which is conducive to improving the quality of social security,reducing the difficulty for rural residents to cope with the problem of aging,and better promoting the construction of beautiful countryside.The majority of rural residents choose a reasonable level of pension insurance payment,which is conducive to improving their living standards in their later years,and is also a development requirement for a healthy China.