Study On The Long-term Mechanism Of Endowment Insurance In The Rural Areas In China

It is a common dream of the Chinese nation to have a good end in an old age, beuseful in the prime of life, have growth in a young age, and all the widowed, disabledand lonely have necessary help. To realize the dream, we need strong governmentalsupport. Rural area social endowment insurance is a major popular issue that concernshundreds of millions of farmers’ living in their old age and is also a complicated socialproject that is characterized by long-term period, difficulty and high sensibility. TheChinese society’s population aging is featured by poor conditions, quick aging and longin duration. The Long-term China Rural Area Social Endowment Insurance of greatsignificance to ensure rural area old people’s retired life.Lack of long-term consistence, rural area’s social endowment insurance haswitnessed a lot of turns and twists in its growth process, which has influenced farmers’confidence in the rural area social endowment insurance to some extent and in turn, thedevelopment of the rural area social endowment insurance has been full of hardshipsand difficulties. Now, in China’s rural area, family supported livelihood in farmers’ oldage is still a mainstream phenomenon, but its functions are weakened with the economicdevelopment. There is a conflict between the increased demand on endowmentinsurance and the weakened family supported livelihood functions. On the basis of thefacts and related materials, the thesis has made some suggestions on the constructionand the improvement of the Long-term China Rural Area Social Endowment Insurancewith the documentation method, method of comparative analysis, etc. in a view toboosting the long time development of the rural area social endowment insurance.Centering on the Long-term China Rural Area Social Endowment Insurance, thethesis has comprises of five chapters.The first chapter mainly deals with the thesis’ study background, theoretical basis,the necessity and feasibility analysis of the construction and the improvement of theChina rural area social endowment insurance, and related concepts and domestic andforeign views on the rural area social endowment insurance. After referring to relatedmaterials, the author has discovered that the shortcomings and imperfections of the rural area social endowment insurance has become an important factor containing thedevelopment of the rural area social endowment insurance.The second chapter mainly involves the development course and status analysis ofthe rural area social endowment insurance and the existing problems and their reasons.In the thesis, the author has the opinion that the rural area social endowment insuranceis flawed in terms of the management mechanism, the incentive mechanism, the fundraising mechanism and the legal mechanism.The third chapter introduces the experience and lessons of Germany, France andJapan from the rural area social endowment insurance, which are also preciousexperience and lessons worthy of study by China in its rural area social endowmentinsurance development.The fourth chapter mainly gives some suggestions on the construction and theimprovement of the Long-term China Rural Area Social Endowment Insurance, and thethesis has laid out suggestions on four aspects of the management mechanism, theincentive mechanism, the fund raising mechanism and the legal mechanism.The fifth chapter is generally a summary of the thesis.