A Study On The Endowment Insurance System Of Urban And Rural Residents In Inner

In 2009, the State Council decided to launch the new rural social pension insurance (hereinafter referred to as the new agricultural insurance) pilot. As requested, the same year October 1 the first 10 counties in Inner Mongolia into the national pilot. In 2010, Inner Mongolia, the second batch of pilot started. In 2011, Inner Mongolia combined the new agricultural insurance and the urban residents social pension insurance (hereinafter referred to as the city ranking security), establishing the social pension insurance system for urban and rural residents, the system covered the whole counties in 2012. However, with the two systems combining, some problems gradually exposed, and need to be further addressed.On the basis of exploring the current situation of the social pension insurance system for urban and rural residents in Inner Mongolia, exploring the development of pension insurance system based on the analysis of the current system of implementation of the merger after the two existing problems and reason, and to recommend measures. This article contains the following sections:First, introduction. The principal elements of a comprehensive urban and rural residents pension insurance research at home and abroad, as well as this study, research methods, the research background, significance, innovation and deficiencies.Second, review the relevant theories. Defining the concepts, which are referred in this article, such as the law of large numbers, the risk society, old-age insurance for urban and rural residents.Third, the development process and the major policy of urban and rural residents pension insurance in the Inner Mongolia. Since 2009, Inner Mongolia launched a new pastoral rural residents social pension insurance、social pension insurance pilot urban and rural residents. By 2015, according to the requirements of the State Council, Inner Mongolia adjusted the original urban and rural social endowment insurance policy, and changed the urban and rural social endowment insurance into the basic old-age insurance for urban and rural residents.Fourth, since the Inner Mongolia urban and rural residents pension insurance system implementation creates some problems, such as:the level of management of the old-age insurance benefits for urban and rural residents is low, the insured amount is too low to pay, pension rights and interests of the emergence of regional inequalities, payment mechanisms flow, hedge funds value-added and other difficult issues that have to be solved.Fifth, analyze the causing urban and rural residents of old-age insurance problems. Current root causes of these problems, the existing system of own shortcomings, such as poorly designed incentives to produce adverse incentives, there are institutional mechanisms that cause the problems, such as the collection system that is not.Sixth, for urban and rural residents in Inner pension problems in this paper payment model reform, stroke along the premium collection mechanism to ensure diversified investment fund countermeasures such as increasing the value of the measures, with a view to the development of urban and rural residents in Inner Mongolia pension benefits provided reference.