Study On The Long-term Supply Of New-type Rural Social Pension Insurance In China

Because of the current economic structure and its special transformation, the most important problem of China's aging population and the pension problem is in the rural areas. As the rural social endowment insurance system for long-term absence, at present, the majority of the elderly population in rural areas still rely on the traditional old-age security system. However, the traditional arrangements for old-age security system has being challenged by economic development and social transformation. In this context, this article has combed the relevant historical documents, definited and overviewed the related concepts and basic theory, analyzed the status of the rural population aging, recalled the rural social endowment insurance system reform, reflected on the problem of old-type social pension insurance system,drew on the experience at home and abroad,based on this,it put forward to build a "new-type rural insurance" system that it is personal contribution, collective benefits, government subsidies, implementation of social pooling and individual accounts, combination of basic pension and individual account pension,so as to meet the retirement needs of the rural population. 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. On this basis, it builds a comprehensive, rational and effective long-term supply mechanism that the "new-type rural insurance" is vertical integration (integration of needs, financing, management), horizontal coordination (balanced development), enhance (convergence and dynamic development), under the equalization of basic public services, which is to achieve the goal of "wide coverage, basic ensurance " and solve effectively the old-aged farmers'issue.This paper is consisted of six sections ten chapters in total. Section one (Chapter 1,2,3) is a research-based. Section two (Chapter 4,5) is the current situation analysis. Section three (Chapter 6,7) is the experience of enlightenment. Section four (Chapter 8) is the demonstration. Section five (Chapter 9) is the strategic research. Section six (Chapter 10) is the conclusions.Chapter 1 expounds mainly the research background, research significance, research methods, ideas and the frameworks.Chapter 2 mainly reviews the literature of research at home and abroad on the rural social endowment insurance system. there are still some deficiencies: such as, more researches on the "new-type rural insurance" discuss the importance and the policy interpretation, few references how to achieve convergence of urban and rural, regional coordinated development in building a "new-type rural insurance "system, and so on. And particularly lacks of the research under the backgrounds of the pilot in "new-type rural insurance" and the international financial crisis. About capacity of the government's financial burden, there is lack of a comprehensive analysis on how to increase the finance on rural social pension, is specially no specific mechanism to establish.Chapter 3 focuses on the concepts of new-type rural social endowment insurance , and summarizes the basic theories of it.Chapter 4 mainly dissertates the status and trends of rural population aging in china, and reviews the evolution history on rural social endowment insurance system from the period of "old-type rural insurance" (1986 ~ 2002) and "new-type rural insurance" (2003 ~).Chapter 5 has summarized and reflected on the problems and inadequacies of the "old-type rural insurance" through actuarial analysis.Chapter 6 has mainly elaborated the constructional experience of rural social endowment insurance system in abroad (Germany and Japan), and through international comparative analysis which in order to provide experience for the system construction and long-term supply of new-type rural social pension insurance in China.Chapter 7 primarily analyses three kinds of explore modes on new-type rural social pension insurance in domestic typical regions, Suzhou, Donghai, Baoji, which in order to provides inspiration for the system construction and long-term supply of new-type rural social pension insurance in China.Chapter 8 Fully has discussed the basic supporting conditions in system construction of new-type rural social pension insurance, proposed building a "new-type rural insurance" system of basic pension + personal account pension. And by using ARIMA models and actuarial models, it predicts the feasibility of it. Through the comprehensive measurement analysis, the"new-type rural insurance" has been efficient, which will achieve the target of "wide coverage, basic ensurance " on farmers'pension in 2020.Chapter 9 has described building the strategy of a practical and effective long-term supply mechanism on the"new-type rural insurance" system in detail, including: Building a demand, financing, management, vertical integration, long-term supply mechanism. Constructing a balanced development and horizontal coordination mechanism. Building a dynamic development mechanism. Building the relevant support mechanisms. In a word, which is to provide strong support in promoting it rapidaly development.