Reform Of Rural Endowment Insurance System Under China’s Rural Revitalization Strategy

The industrial and agricultural scissors difference is the key to promote the development of China’s industry at the beginning of the founding of the People’s Republic of China.More than 70% of rural groups give way to the national savings with low-price agricultural products.Based on the national savings,the industrial economy is developed and the rapid development of the national economy is realized.Similarly,since the founding of the People’s Republic of China,a large number of rural population has brought huge demographic dividend,which is also a key factor to promote the rapid development of China’s economy.The contribution of rural groups to the country’s economic development bringing subversive changes cannot be ignored.It is an important strategic step for the development and reform of China’s economic structure at the present stage that industrial economy feeds back the development of rural economy to revitalize the countryside.With the early period of the 43 rd anniversary of reform and opening up,especially a large number of rural population entering the pension stage,rural revitalization and rural pension problems have become the only way to boost the development of rural economy.In the strategic deployment of rural revitalization,how to achieve full coverage,basic insurance and multi-level pension for farmers under the premise of significant occupational income gap has become a key issue in the strategic deployment of rural revitalization.In this paper,the research will be from the perspective of rural endowment insurance system perfect,the combination of rural revitalization of the concept,to explore the rural old-age insurance system in the process of realizing a complete coverage of rural endowment insurance,effective coverage mechanism,based on the current rural endowment insurance system of performance measurement,puts forward the supplementary pension mechanism of professional farmers moderate levels.In this study,the focus is placed on the ultimate effect and level of personal pension account and basic pension account on rural group pension insurance in the real space in the reform of rural endowment insurance system.The specific research is divided into nine chapters.The first chapter briefly describes the overall background of the development and reform of rural endowment insurance under the context of rural revitalization,and studies the value and core significance of specific development.The second chapter involving rural revitalization and defining the related concepts of rural endowment insurance,at home and abroad of the current rural endowment insurance system construction,financing channels,to the content management system,operation mode and comprehensive elaboration,surrounding rural endowment insurance system building and reform of welfare economics,institutional economics,public goods theory briefly expounded.The third chapter from Britain,Germany,Brazil,Japan,South Korea,the national rural old-age insurance system construction perspective,discusses foreign path construction of rural old-age insurance system and the overall experience,through the foreign system of rural endowment insurance development,the different countries is a system of rural endowment insurance development through reform,reform and construction of rural endowment insurance system in China should be wary of aging and longevity risk,pensions inflation risks and will need to follow the system structure of pension mode of times development change in time to pay.The fourth chapter from the perspective of content change of rural endowment insurance system in China,discusses the main reason for the endowment insurance system change and process,through comprehensive study research the continuous reform of the rural old-age insurance system in China is urging the inevitable historical development time,is also a big concessions from the countryside in China’s economic development and the reality of the sacrifice inevitable.The fifth chapter focuses on the implementation and deployment of China’s rural revitalization strategy,briefly discusses the impact of rural revitalization strategy on industrial stimulation and modern agricultural development in China’s rural areas,and focuses on the dialectical relationship between rural revitalization and rural endowment insurance system.The sixth chapter according to the empirical analysis of the performance evaluation of the provinces in our country rural endowment insurance reform,in the study of specific examples of multiple performance empirical model,from which the selection combination,adopt the BP neural network model is given priority to,the text data mining,and the empirical model of analytic hierarchy process(ahp)is complementary,with large data analysis as research highlights,gain people emotional attitude of rural endowment insurance reform(satisfaction)real data,based on the empirical analysis of the current rural endowment insurance in our province reform performance difference exists between provinces,the overall performance is low at the same time,This empirical result means that there is still room for reform of rural endowment insurance in China.Combined with the actual rural pension problems,although rural farmers have access to pension insurance,but the pension payment is not enough to support farmers pension problems are serious,so there is room for reform of rural pension insurance.The Seventh chapter continues the research results of the previous chapters,puts forward the reform plan of rural old-age insurance system based on occupational annuity,and calculates the appropriate pension level under occupational annuity.Based on the actuarial model,the following important conclusions are drawn: 1)The best age for payment of tax preferential occupational annuity is before the age of 36.Only when tax preferential occupational annuity is paid before the age of 36 can the replacement rate of pension be guaranteed at the level of 20%;2)Be alert to the risk of farmers’ longevity.The longer the life span of farmer,the lower the replacement rate.3)The negative impact of wage growth rate of professional farmers on pension replacement rate cannot be ignored.The eighth chapter summarizes the research conclusions and puts forward the prospects for the reform of rural endowment insurance system,which is mainly based on occupational annuity.