Analysis of rural endowment insurance system for rural social pension insurance problems and reform by sdgswgwe


Analysis of rural endowment insurance system for rural social pension insurance problems and reform

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									Analysis of rural endowment insurance system for rural social pension
insurance issues and reform

 problem of rural endowment insurance system
 ¡¾papers Key words rural social endowment insurance; the status quo;
problem; reform% D % A
 ¡¾Abstract¡¿ In this paper, an overview of rural social endowment
insurance system status, analysis of agricultural protection in the
current problems that exist in the system, combined with social reality,
from the institutional framework, finance, policy analysis etc. China's
new rural endowment insurance system reform.

 1 Rural Social Pension Insurance System Status

 reform and opening up, China began an unprecedented industrialization,
urbanization and modernization processes that have led to rural economic
development based on population and labor force of rapid change, the
traditional form of rural society gradually collapse, accelerated
transformation of rural society. As the young labor force in rural areas
to cities and towns large-scale flow, the proportion of rural residents
increased rapidly aging population, aging society ahead of the arrival.
In 2000, the fifth census data show that rural people over the age of 60
have more than 10.92% of the total rural population, 1.24 percentage
points higher than the city, entered the aging society, and the elderly
population will be increasing at a rate of 3.3% per year.
 In order to alleviate population pressure brought about by aging, the
Chinese Government carried out a series of old-age insurance system.
After 10 years of exploration, China has initially established a new type
of urban social security system, the basic framework, but China's rural
social security system is still relatively weak, especially in recent
years "Three Rural Issues" special, but the rural community Security
refers to the theoretical study and practical importance of reform.
 According to incomplete statistics, in 1986, China began to implement
the rural social endowment insurance system, there are 28 provinces,
municipalities and autonomous regions participated in a total of more
than 6000 million rural residents had insurance, more than 60 billion
accumulated Kikinda. Development for many years now, the country has 31
provinces, autonomous regions and municipalities, 1,900 counties (cities,
districts, and banner) to varying degrees, the work carried out farmer's
insurance can be insured farmer has dropped to 54.42 million, accumulated
insurance fund to 31 billion yuan .

 2 Rural Social Pension Insurance Problems

 rural social endowment insurance started in the 80s last century. So
far, rural social endowment insurance system in more than 20 years of
history to explore. Explore the history of this period generally divided
into four phases: the first is the 1986 pilot phase in early 1992. The
second phase from 1992 to 1998 to promote the early stages of the pilot.
The third stage is after 1998 into the early pilot stages of a recession.
The fourth phase is entered after 2003 to explore new rural endowment
insurance pilot phase. Through analysis of the status of China's
agricultural insurance can be seen, the early development of agricultural
insurance system, the third stage since there has been no major
breakthrough, but the new farmer's insurance pilot has yet to be launched
nationwide. At present China's rural social endowment insurance major
problems exist:
 2.1 coverage of the small
 elderly population in China is the world's largest number of countries,
of which 75% of the elderly population in rural areas, however, be
incorporated into the agricultural insurance coverage of the elderly
population accounts for only a small portion of the total. According to
statistics, in 1998 the establishment of rural social security network,
only 41% of the national total number of townships, the establishment of
the Social Security Fund of the village less than 20% of the total number
of village committees. Meanwhile, the rural social endowment insurance in
the provinces is also very uneven development, has raised a farmer's
insurance funds concentrated in a few developed areas, most parts of
difficult to sustain. Judging from the fund size, the top five is of
Jiangsu, Shandong and Shanghai, Zhejiang and Beijing, a total of five
provinces and 22.1 billion yuan of funds, accounting for agricultural
protection fund of the total 71.3%.
 2.2 Fund Raising Problems
 "basic rural social pension insurance program," states: rural social
endowment insurance in the fund raising to pay based on upholding
individual and collective benefits, giving the country to give policy
support. However, because most of the group is unable or unwilling to
subsidize the rural social endowment insurance for the vast majority of
ordinary farmers can only bear the full cost of their own, so that really
need the protection of poor farmers can not afford to pay premiums due
have been excluded in coverage. Have the ability to participate in the
group of rural social pension insurance is the most economically
developed regions of the wealthy farmers, while the economically
underdeveloped and backward areas, poor farmers can not benefit from the
social insurance system. This is undoubtedly contrary to the social
insurance system, the fundamental principle of redistribution.
 2.3 management mechanism is not perfect
 1998 reform of agency since the provincial unit of the National Suiran
security management functions of the majority of farmers have been
assigned to labor and social security departments, but most of the
township to county-level units and not transfer to form a labor and
social security departments do not accept, poor management of the state
civil sector, resulting in many local administration interrupted. This is
especially prominent in the western provinces. Meanwhile, due to
inadequate management systems, agricultural insurance institutions and
personnel office expenses, salaries are not included in the majority of
the budget, misappropriation of wages of agricultural insurance fund
things that are quite common.

 3 Rural Pension Insurance System New Direction

 3.1 to establish the basic institutional framework of rural social
 to establish the basic institutional framework should be fully for the
future pattern of urban and rural development, will coordinate urban and
rural resource allocation, financial distribution, employment and social
policies into account the development, focusing on building farmer's
insurance protection can be converted to the city channel and mechanisms.
Establish basic accounts and individual accounts of the rural population
of social pension insurance system, unified development of urban and
rural social insurance transfer, bridging ways to make the farmer's
pension can be effective in the transfer between different regions, while
the original full personal account Reform of the social pooling and
individual accounts combined account adjustment funds model.
 3.2 Financial support to rural social pension insurance
 rural endowment insurance system as a public good, need the government's
fiscal investment and costs. In our present system of urban pension
insurance system has been established, the Government should focus on
institution building in rural areas, efforts to build and level of
economic development of rural social security system to adapt to the
basic framework, to establish a rural social security management system,
to honor the state's financial responsibility for rural social security;
to promote the various channels to raise social security funds in rural
areas, to ensure that rural areas and increasing the value of social
security funds.
 3.3 using hierarchical classification approach to managing the rural
social endowment insurance
 vast territory and large rural population living standard of farmers in
different regions are quite different from person to person, therefore
the government should, according to local conditions, on different levels
categories of rural workers pension insurance, the implementation of
hierarchical classification management. Different levels of economic
development should be established in different regions of rural social
endowment insurance model to meet the needs of different income groups
demand old-age security.
 3.4 new rural social pension insurance system in China
 pilot since 2003, some place new agricultural insurance pilot, but the
pilot has not yet started a national policy. Suzhou City, a group of
economically developed areas such as new agricultural insurance pilot
projects have achieved good development results. Shanghai and some other
combination of the needs of rapid urbanization in rural areas (especially
in urban high) also began testing a new type of social security. This
discovery made in the system innovation of new progress. Government
departments should continue to strengthen its efforts to develop new
agricultural insurance policies to pilot national policy level.

 [1] Shi Jinhua. Rural Pension Insurance System Innovations of the [J].
Open Review, 2007 (6)
 [2] Shi Weiliang. Rural Social Pension Insurance System [J]. Finance and
Economy, 2007 (6) & nbs Thank you for reading this article from
[worry document] collection and sorting, to thank the
original author. p;
 [3] Li Yibo, Hu Ling Hung. Rural Pension Insurance System and the Reform
Problems [J]. Anhui Agricultural Sciences, 2007,35 (36 Thank you for
reading this article from [worry document] collection and
sorting, to thank the original author. / center>

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