Research On Pension Security System For Old Ages Without Living Securing

Since the reform and open policy, after 30 years of exploration and development, our preliminary established and requirement of system of socialist market economy suited social insurance policy frame and system, basically established the mode of system, more security groups, salary standard is growing steadily improved, fund raising management standardization and the socialization management level vastly improved. According to the require: "speed up to covering the social security system of urban and rural residents " , our social security system is gradually toward urban and rural development, universal coverage, and unified management in the new period.Although in recent years China's old-age security business gained greater development, but the system remains to be further improved and perfected. There are still lots of urban and rural elderly residents due to various reasons not included in the scope of protection, become aged non-guaranteed special group. As the aging population process continues to increase, our aging population proportion is more and more big. It become a challenge, and one of the most direct impact on the urban and rural society security system is how to improve the forward higher request. In this context, explore further perfecting the social insurance system for urban and rural residents, is already imminent urgent task.Based on the summary and research results, it is the effective way to analysis the rural and urban social security system, establish the old-age security system, included in the new and old system, urban and rural system of utmost cohesion.This study suggests that the social insurance of urban and rural residents without security were mainly present didn't attend rural insurance farmers and partial town residents, including labor age inside cannot ginseng protect or unemployed people (students and soldiers except) and 60 years elderly groups.This article analysis the necessity and feasibility of established the urban and rural residents insurance system, the first is speed up to construction the social insurance system. On the one hand, to expanding the coverage of social insurance system, as many of the crowd into the basic endowment insurance system. On the other hand, constantly improve social insurance level. The overall goal is to provide socialized funding and service support, eliminating elderly poverty, let old people a good life and construct communal development-oriented social security system. Establish the social insurance system for urban and rural residents is the important direction of reform and development. The current national macro policy support, economic development, financial guarantee provides forceful support for the realization of this goal. For the social insurance system's development and operation, the main problems is how to solve this system outside of the crowds, especially the elderly groups without security. Currently, the social insurance system has the more good operation situation, capital reserve, operation experience, handling ability, software and hardware construction has a solid foundation.Established the social insurance system for urban and rural residents should be reality of the situation, should have the development-oriented social security idea, adapt the system construction and the development level of economy, should based on the current, focus on the future. Residents social insurance's choice will be "contribution" and"noncontribution", for 60 years old residents, it's good to use the contribution type, for the labor age inside cannot ginseng protect people, the government shuole provide noncontribution type. The current social insurance system is in the background of urban-rural division, established the new structure, does not meet the urban and rural development and the construction of harmonious society needs. From reducing the management cost and avoid system in urban and rural areas further fragmentation consideration, unfavorable to establish a new system for the urban and rural residents without security. Therefore, we should establish the unity of urban and rural residents old-age insurance system, extend the new rural social insurance coverage to town without security people, it will both solve the problems of the rural old-age social insurance, also solve the urban residents without security people. It's good to integrat the urban and rural old-age social security system. To integration all kinds of specific social insurance system, we should get through the barriers between different systems, enlarge the ginseng old-age insurance system, gradually realized the free choose. Establish a uniform, standard and universally applicable social insurance system, it is the inevitably choice for our social insurance development.