Analysis Of Urban And Rural Social Endowment Insurance System

The social endowment insurance system is the core and basic social security system.As a considerable social policy,it related to the fundamental livelihood of people.At the meantime,it's also one of the important topics of people's livelihood today.China established basic endowment insurance system for urban and rural residents in 2014,it means that the reform of social endowment insurance of China promote a huge step forward.From a macroscopic view of social endowment insurance,China has already entered phase of development of the “urban and rural areas as a whole”.The system of social endowment insurance in urban and rural areas as a whole is imperative now.Although the urban and rural areas as a whole system of social endowment insurance in China has finished the first step of reforming,it is still present a “fragmented” system state during the process of the whole plan,especially in overall development uncoordinated.The differences between provinces and cities,urban and rural areas provide some difficulties for the further development of the basic old-age insurance system of the society.Embodied in the overall development uncoordinated,security levels not neat,the source of the funds is not stable and single,relevant legal policies have lag,low overall operational efficiency ways,so the system of basic old-age insurance for urban and rural areas as a whole still need further perfect in practice.Based on this,this article mainly about the system of social endowment insurance system of urban and rural areas as a whole to perfect the main line,in based on the realistic national conditions and economic development,on the basis of analyzing the necessity and feasibility of its further development,explore the social endowment insurance system for urban and rural areas as a whole.This article selects the parts of the social endowment insurance system for urban and rural areas as a whole the typical model,draw lessons from Germany,the United States and Japan the practice of the three countries,by comparing policy,sum up the lessons of rich experience,to perfect the system of research has widened.In the course of overall planning,it is proposed to strengthen the direct management of governments at all levels and gradually improve the system of provincial regions.We should improve the level of standards for pension protection,improve the system of dynamic contributions,and improve the government's ability to transfer payments.We will improve the system of old-age insurance for old-age pension funds and establish a sound pension system.We will accelerate the progress of pension insurance laws in the construction of legalization,and strengthen the supervision of the operation.In the aspect of business management service system,to intensify propaganda,enhance the consciousness of residents and engagement,at the same time promoting Internet +endowment insurance system of the service platform.Through the perfect system of social endowment insurance,reduce the degree of the current state of the "fragmentation",for the further integration of social endowment insurance system for urban and rural areas as a whole lay the foundations of the sturdiness,eventually achieve the equalization that urban and rural old-age security.