Chongqing Rural Social Endowment Insurance Fund - Raising Research

On many macro-economy backgrounds-the Eleventh Five-Year Plan brings forward the socialistic movement in rural areas; the report of the Seventeenth National People's Congress puts forward the construction of the rural retirement pension system; the beginning of new rural old-age insurance institution in 2009; the"silver tide"brings the crisis of endowment insurance in the 21st century and so on-how to solve the problem of the old-age support to the numerous farmers is not only an academic problem, but also a realistic problem based on equity and justice, the national stabilization and the economy sustainability. This paper aims to in-depth research on one of the most important problems in rural social endowment insurance of capital raising.First of all, we analyze the necessity and feasibility of the rural social old-age security, the government's responsibility on social endowment by the introduction of rural society old-age security of the general theory and corelational research. Then we introduce the basic connotation of social endowment insurance financing mode and analyze the necessity and practicability of financial investment in Chongqing. We analyze the Chongqing social endowment insurance financing mode from three aspects including the financing model, financing conformation and financing source.Secondly, we put forward an analytic demonstration of some areas'social endowment insurance financing mode and the detailed analysis on its experience in revelation. This part mainly introduces Baoji patterns, Donghai patterns and the mode of Beijing. Then we do a comparative analysis which provides experiences for Chongqing rural social endowment financing mode.Thirdly, we diagnose and analyze the present source of funds, problems and constraint factors, mainly including financing low standards, unreasonable funding proportion and the instability of financing and so on,point the factors of restricting development, such as economic development levels and so on. This is provided the basis for the design of rural society old-age security financing mode of Chongqing.At last, on the basis of analyzing previous chapters, we discuss the innovative options and policy suggestions of rural endowment insurance financing mode in Chongqing, mainly including the frames and principles of designing, the original mode of innovation and the introduction of some new modes, and seven policy recommendations in the review on the basis of the paper. This paper argues that the government on Chongqing rural society endowment insurance in general should adopt the society plans as a whole and individual account combination of mode; In addition, combining the specific circumstances of each district of Chongqing, this paper points are different areas and groups should adhere to the'individual pay cost, collective allowance, government subsidies', adopt multi-channel and diversification of rural society endowment insurance to need to raise capital and expand funding sources. Additional, we can take to physical fundraising, publish lottery to raise rural society endowment insurance fund. Only in this way, can we promote smooth development of the rural society endowment insurance.