Research On Social Endowment Insurance Of The Urban And Rural Coordination

Since the 19th century the social security system in Germany since its establishment, to date, has been the world's nearly 200 countries and regions establishment of the social security system. The social security system has become indispensable to modern society's socio-economic system and become the concerns of a country comes to the basic system. For a long time, China's dual social security system is seriously hampering the overall development of urban and rural areas, rural residents against sharing the fruits of reform and development rights. Rural social endowment insurance and the loss has affected China's rural reform and development process.Based on the Construction of urban and rural social endowment insurance system as the starting point, to Jinzhong City, Shanxi Province as an example, the quantitative analysis and empirical studies, the system discussed how to adapt to economic and social development, urban and rural social endowment established as soon as possible co-ordination system proposed is not built for the urban and rural co-ordinate a unified urban and rural social endowment system, but the overall security system, different levels of protection, flexible form of protection, the protection of diversification .Main activities include the following:1. a logistic regression model, empirical analysis of urban and rural social endowment insurance co-ordinating framework, the impact of rural social endowment insurance, the establishment of factors. By analyzing concluded: First, children, old-age pension, family protection in the rural old-age insurance system in China still occupies an important position in the second, social and pension awareness in the rural areas too low, the majority of rural residents do not understand or do not know This policy, leading to the slow progress in agro-Thirdly, at present, the survival of farmers face the risk of disease risk in the pension risk and their children to school difficulties.2. empirical analysis, specific estimate rural social endowment insurance and the payment of capital requirements.First, in accordance with actuarial principles, calculated: First, the different levels of payment, the amount of insurance premiums how many different. Farmers can pay according to their ability to select the appropriate grade level of insurance; second, the insurer set by the different interest rates, different premiums paid policyholders. The lower the interest rate, the more the premium calculation, the higher the interest rate, the less the premium calculation; Third, different age insurance premium paid by different requirements. Insured younger, the less the premium paid, the greater the age of the insured, the premium paid more, the more severe the burden; fourth, 40-year-old to 50-year-old payment burden, the main reason is the 40-year-old future mortality increase every year, fewer and fewer people survived, the survival of small, and sharing costs.Secondly, the article in 2006 for the samples to farmers in Jinzhong City as an example, using the formula of the number of farmers extent of the burden of paying premiums to pay insurance and the possibility of farmers.3.estimates farmers minimum pension standardsThe Engel coefficient of the formula used to calculate 2006 of the rural population in Jinzhong City, the lowest per capita food consumption expenditure of rural residents before 2003 and the lowest income households Engel coefficient, calculated on the minimum pension of rural residents reference standards L, relative to rural residents pensions I indicators proceeds.