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The Research Of The Government's Financial Duty In Rural Social Old-age Insurance

Posted on:2012-06-29Degree:DoctorType:Dissertation
Country:ChinaCandidate:Y N ZhaoFull Text:PDF
GTID:1119330335985190Subject:Quantitative Economics
Abstract/Summary:PDF Full Text Request
China is a developing country which people in the countryside take absolute majority. Peasant is account for 63.91% of total population,30% of the world rural resident, rural old resident account for 75%of national old people. Therefore, the pressure of rural aging population is becoming more serious. According to the statistics standard of Press United Nations, China has already got into old-age society as early as 2000.The old-age degree continuously turns worse.Because of the rapid city-turn and the flow of the young labor from village to city, the condition has Converse, for the old-age degree in rural is more serious than in city. And the condition also turns worse. According to international experience, the modern country that had established social basic old-age pension system 20 years earlier before the aging population peak came, could withstand the impact of gray hair tide". Otherwise, will inevitably and seriously influence the development of social economy and cause the serious social concern. Through more than 20 years practice and reform, China has already formed the basic frame of the rural old-age pension system, but still far from perfect. The rural old-age pension system, which build on the fundamental realities of China and meet the developing need of market economy, must be established in order to meet the aging population climax that came in 2030.Thisis the most important institutional improvement since implement of Contract household responsibility in Chinese rural area.Currently, the new endowment insurance(as follows the brief name"the new rural insurance") of the village society experimental method already set, and already carries on in some experimental unit at 2009.The new system of practice development not only faces international and local risks, but also still be subjected to itself special risks.the lately- build rural social insurance system whether is suitable to our society economy condition,which not only decides our country whether can Pass through the old-age period in future 30 and 40 years, but also has the close contact with the population, the economy and the stable society.Under the background that our nation constructs socialism new village and constructs harmony society, this article put China' rural old-age pension system on the frame of dual-economy homogeneity. On the base of the analysis of the village population in the future, the review of the reform on the rural society endowment insurance system, introspect the"the old system" and find the devotion shortage of public finance in"the new system",this article put forward a new system which set up "foundation pension+personal account". At the same time, by using the research methods of evidence, norms, comparison, model predictions and actuarial analysis, it demonstrates the feasibility of its operation from the integrated perspective of multi-disciplinary, comprehensive, and systematic, which is to achieve the goal of wide coverage, basic insurance". This text is around the topic of government public finance responsibility in new rural society endowment insurance system, and is consisted of seven chapters in total as follows:Chapter 1 IntroductionThis chapter elaborates the research background, significance and method; reviews the abroad and domestic research status and finds the shortages in relative field; puts forward the basic thought, approaches and the innovations of this study.Chapter 2 The reason of the government get involved the rural endowment insuranceThis chapter explains the reason of the government get involved in the rural society endowment insurance from the theories and reality. The content include four parts, the first part is the foundation theories of the government get involved in the rural society endowment insurance; the second part is the reality necessary for the government get involved in the rural society endowment insurance; the third part is the cost and income comparison for the government to support the rural society endowment system; the last part is to analysis the variety of welfare for peasant in old and new rural society endowment insurance system, and from this point illustrates the importance for the government to provide public finance to the rural society endowment insurance.Chapter 3 the analysis of government public finance responsibility in new rural society endowment insurance system This chapter first to summary the characteristics of the new rural society endowment insurance system and point out the difference between "the new insurance system " and "the old insurance system" is whether it has the support of the government public finance. Base on the analyses of government public finance in new rural society insurance system, this chapter puts forward the shortage of government public finance in new rural society insurance system, and explains the reasons.Chapter 4 propose a mode to push forward new rural society endowment insurance system constructionBased on the above-mentioned thoughts, this chapter proposes a government-support-finance mode, namely "foundation pension+personal account" mode. In this mode, the government undertakes the pay according to town to form foundation pension to guarantee the peasant's basic life level when they are old, the s and the peasant to pay for the personal account to improve life level.Chapter 5The possibility argument of the mode:Imitate forecastThis chapter analyzes the possibility of the mode put forward in chapter 4. It includes three parts. The first part is to establish rural population in future. This chapter usages factor-method to estimate the rural population in future, and gets the later 40 years' rural population of different gender and different age in any year. The second part is to imitate and estimate the result of the foundation fund. In the meantime, establish precise computation model of the peasant personal account and estimate it. The result is that the income has been present an upward tendency, the fund expenditure also has been present up-trend. But because of the lower rate of the pension, and the less number of receiving pension, the fund of year-income is bigger than year-expenditure at beginning start age. Along with the exaltation of the foundation rate and the worse trend of the rural old-age condition, the fund has come to year-receipt bigger than year-expenditure, and the indentation appears enlargement trend. At the end of the target period, the accumulation fund is balance. The result of personal account illustrate that this part has obvious function to improve peasant life level when they are old. The last part is to estimate the ability for government and peasant to pay the premium in order to evaluate the steady of the mode. Chapter 6 International Comparison on government public finance responsibility in rural society endowment insurance systemThis chapter main elaborates the government public finance responsibility abroad in the rural society endowment insurance system, and summarize the successful experience.Chapter 7:Suggestions to enhance the responsibility of the government to support financeThis chapter puts forward the policy suggestions to strengthen the government public finance responsibility.The research methods are:(1) Keep on persistence on steady development during researching rural society endowment insurance system, and adopt the method of quantity research together with quality research. (2)Use precise computation method and calculate economy model to imitate and analyze the whole fund of rural society endowment insurance system. (3)Adopt history analysis method together with international comparison method. This article studies the question from the angle of history, analyzes its origins, development, current conditions and the deep real reasons of the shortage of government public finance in rural society endowment insurance system. Draw lessons from abroad rural society endowment insurance system, and make comparison and usage research to establish the rural society endowment insurance system suitable to our country.The innovation points of this paper are:(1)Forecast the rural population in future in consider of nature growth factor and machine growth factor. (2)Construct the raise and payment mode of the rural society endowment insurance fund under government finance support. Under the background of the city-rural integration, with the principle of society fair, this chapter constructs the mode that the government undertakes premium of the foundation pension to guarantee life level when the peasant is old, and the peasant pay for the personal account to improve life level. (3) By establishing the income-expenditure mode of the rural society endowment foundation fund, this article imitates and forecasts the income and expenditure of the rural society endowment foundation fund, in the mean time this article makes precise computation of the personnal account. It also analyzes the possibility of this mode.
Keywords/Search Tags:Rural society endowment insurance, public financial responsibility, old-age pension, imitate and forecast
PDF Full Text Request
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