| The results of the sixth national census in 2011 showed that the elderly group aged60 and above accounted for 13.26% of the total population in China,indicating that China’s aging degree is relatively serious.As of the seventh national census in 2021,the proportion of China’s population aged 60 and above exceeded 18%,and the rapid increase in the proportion is amazing,which shows that China has entered an aging society,and this trend is intensifying.China’s social harmony,political stability,economic development and other aspects are largely affected by the aging of the population,which has put great pressure on the improvement of the country’s comprehensive national strength.Therefore,accelerating the development of the elderly care service industry is an inevitable choice to cope with the aging of the population and solve the problem of the elderly with a large base during the "14th Five-Year Plan" period.At the same time,the report of the 20 th National Congress of the Communist Party of China proposed to improve the social security system,improve the multi-level social security system covering the whole people,coordinating urban and rural areas,being fair and unified,safe and standardized,and sustainable,and expanding the coverage of social insurance.This also puts forward higher requirements for the basic endowment insurance of urban and rural residents in China.Since the implementation of the basic endowment insurance system for urban and rural residents in Qi County since July 2011,it has provided economic security and improved the basic living standards for urban and rural residents in Qi County,but the low-grade payment of urban and rural residents in Qi County directly causes the low-level pension treatment of residents,and the low-level pension further affects the enthusiasm of residents to pay.In the end,the unified coordination of urban and rural housing maintenance funds,risk prevention and resistance,and sustainable policy development have been greatly affected.Therefore,the study of the basic endowment insurance payment level and influencing factors of urban and rural residents in Qi County is of great significance.This paper first reviews the current situation of urban and rural housing insurance system and related documents in Qi County to understand the development process of the system.Through the questionnaire to investigate the payment level of urban and rural residents in Qi County,after analyzing and summarizing the questionnaire data,it is found that most urban and rural residents in Qi County choose a lower grade to pay resident pension insurance.Secondly,using the binary logistic regression model to carry out regression analysis,it is concluded that the reasons for the low payment level of basic endowment insurance for urban and rural residents in Qi County are mainly divided into three aspects: insufficient awareness of residents,low economic conditions,and backward awareness of old-age care;The setting of payment grades in the policy system is unreasonable,and the government subsidy mechanism is unreasonable;The policy publicity of the handling institution is not in place,and the professional ability of some personnel of the handling institution is insufficient.Finally,according to the field investigation of Qi County and the reasons for the low payment level of basic endowment insurance for urban and rural residents in Qi County,targeted countermeasures are proposed.Propose countermeasures from the level of residents themselves,the level of system design,and the management level of government agencies,and take multiple measures at the same time.That is,to improve residents’ economic income ability and payment ability,and enhance the awareness of social pension risks of urban and rural residents in Qi County;Formulate reasonable payment grades and optimize government subsidy incentive mechanisms;Strengthen the publicity of endowment insurance policies and improve the service level of handling institutions. |
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