The Establishment Of The Rural Social Security Bank And The Operating Mechanism

In the 17th fifth Chinese Government conference, it was acclaimed that "In the aspect of improvement and strengthen public welfare, we should improve the basic public service system based on the condition of our country, cover the city and the countryside, continuing principles". In the background of the social security system in city has been build and improved so much, the perfection and improvement of the social security system in countryside would be an important part of this goal's pursue.The thesis considers the build of rural social security bank would solve the pressure of aging people and the lagging behind of rural social security fund. And it builds the basis running principles of it.First of all, the thesis made a research of the Chile, Singapore, Sweden these three countries which are well known because of their special characters and personalities. The research focus on the management model of fund, the investment model of fund and the cost of management of these three counties. It summarizes the characters of these three countries and points out some aspects that our country can study.By the Game Theory analyze of the relationship between business financial institution and farmer, government and the farmer, it makes the results that the pure business financial institution has no inclination to build the rural social security bank for farmer, the social property of rural social security bank is more important and the government should take the most responsibility of the rural social security bank. By the Game Theory analyze of the relationship between Central government and local government, it results that the central government should build effective encourage system to make sure the social security fund could running smoothly to the local government. Based on the effective demanding relationship of rural social security finance product, it considers that the limited business financial institution could not satisfy the demand of rural social security; the government should supply the allowance.Based on the different development condition of our country, it points out that the build of the rural social security bank should be different according to different economics condition. The branch of the bank in poor area should supply the financial demand of farmers and inspire the participation enthusiasm of them.It makes an initial thought of the rural social security bank's debt, the model of financial running and the flow of the securitization. It considers that the fund of rural social security should include the government finance, special bond and the money value of the rural land. The thesis makes an initial flow of the steps for land using right to the money of rural social security bank and creates an arrangement for the money of rural social security bank. It defines the possible risks of the rural social security bank based on types and sources, points out some major index of rural social security bank.