Research On The Balance Of Supply And Demand Of Urban And Rural Residents Pension Insurance Based On Basic Endowment Demand

The superposition effect of population aging and economic fluctuation has brought new requirements to the endowment insurance system for urban and rural residents.On the one hand,it is necessary to determine a reasonable payment level of endowment insurance for urban and rural residents,achieve the goal of protecting people’s livelihood and welfare,and give full play to the function of endowment insurance for urban and rural residents to boost consumption and smooth economic fluctuations;On the other hand,with the gradual deepening of the aging of the population,the pressure on the balance of payments of endowment insurance increases,and the setting of the payment level of endowment insurance for urban and rural residents should also achieve balance of payments and sustainable system.At present,the endowment insurance for urban and rural residents is still insufficient in meeting the basic survival needs.How to promote the payment level of endowment insurance for urban and rural residents to approach the basic endowment needs under the constraint of balance of payments has become the key problem faced by the construction of endowment insurance system for urban and rural residents.From the micro point of view,it is to meet the needs of the majority of urban and rural residents.From the macro perspective,it is one of the important reform measures to further improve the multi-level social security system,improve the level of people’s livelihood and welfare,and promote the sustainable development of economy.Based on the "basic endowment insurance" as the starting point,this paper uses ELES model to measure the matching degree between the demand and supply of basic endowment insurance for urban and rural residents,reasonably sets the contribution structure of basic endowment insurance for urban and rural residents,and empirically tests the balance between supply and demand,This paper analyzes the effect of basic endowment insurance for urban and rural residents,and puts forward countermeasures and suggestions to realize the demand of basic endowment insurance.The chapters are arranged as follows:The first chapter is the introduction.This paper mainly introduces the research background and significance,domestic and foreign research review,research methods and ideas,as well as research innovation and shortcomings.The second chapter is the definition of basic concepts and theoretical basis.This paper focuses on the basic concepts of the basic pension demand,the basic pension insurance system for urban and rural residents,and the balance between supply and demand.This paper focuses on the theory of the appropriate level of endowment insurance payment,the life cycle compensation theory of endowment insurance,and the government responsibility theory of endowment insurance.Each theory is related to each other,focusing on the logical route of supply and demand balance research based on the basic pension demand.The third chapter is the development process of endowment insurance system for urban and rural residents and the motivation of optimizing the contribution structure.This paper systematically and comprehensively combs the development process of urban and rural residents’ endowment insurance system,deeply studies and analyzes the reform implementation background,main system characteristics and internal significance under different system stages.This paper clearly points out the problems existing in the operation of the current endowment insurance system for urban and rural residents,and puts forward a relatively clear motivation for the supply and demand balance of the "basic" goal of the endowment insurance system for urban and rural residents.Chapter 4 is the measurement of the matching degree between the basic security demand and supply and demand of endowment insurance for urban and rural residents.This paper constructs the demand model of urban and rural residents’ old-age security,and empirically calculates the basic old-age security demand of urban and rural residents.Based on the actual system model,this paper estimates the satisfaction degree of the basic pension needs of urban and rural residents at the present stage,which mainly includes the contribution degree of basic pension minimum standard "basic insurance" and the contribution degree of personal account pension minimum standard "basic insurance".At the same time,it analyzes the contribution of central finance,local finance and individual financing in the process of "maintaining the basic".The current situation,problems and balance adjustment direction of the matching degree of supply and demand to meet the basic pension demand are clarified.Chapter 5 is the basic endowment insurance contribution structure of urban and rural residents.It puts forward the division of security function of the minimum standard of endowment insurance for urban and rural residents and the payment incentive part,as well as the responsibility sharing of the minimum standard of basic pension and the minimum standard of individual account pension to meet the basic pension needs,and puts forward the design of the contribution structure of the minimum standard of basic pension and the minimum standard of individual account pension.Chapter 6 is the analysis of the balance between supply and demand of basic endowment insurance for urban and rural residents.This paper calculates the demand and appropriate level of financial subsidies for basic pension,analyzes the balance between supply and demand of financial subsidies for basic pension,tests the balance between supply and demand of personal contributions based on personal financing ability,and analyzes the efficiency of financial subsidies and the rationality of responsibility sharing for the realization mechanism of the balance between supply and demand for basic pension.Chapter 7 is the test of the effect of basic endowment insurance for urban and rural residents.It tests the effect of the adjustment of contribution structure to meet the basic endowment demand from the aspects of reducing urban and rural dual welfare,reducing poverty,boosting consumption and smoothing the fluctuation of pension payment,and empirically tests the impact of basic endowment insurance for urban and rural residents on people’s livelihood welfare and economic development.Chapter 8 is the conclusion and policy recommendations.Combined with the research results and conclusions,this paper puts forward some relevant policy suggestions,such as constructing the dynamic adjustment mechanism of central financial subsidies for basic pension,scientifically determining the appropriate level of local financial subsidies,and actively realizing the value maintenance and appreciation of the fund.