Based On The Level Of Protection And The Solvency Of The New Agricultural Insurance System In Hunan Province

A impeccable new rural endowment insurance system constitutes one of important framework of socialist market economic system; is the inevitable choice of building up a well-off society in Hunan Province; has an important strategic status. With economic development and market reform in-depth, the new rural endowment insurance demand has been objectively produced. More and more people request the establishment of perfect rural community retirement system. At this stage, speeding up the establishment of a sound social rural endowment insurance system is significant for improving China’s socialist market economic system; for promoting the sustainable economic development; for narrowing the urban-rural gap and reducing social inequalities; for boosting the urbanization of the national economy.This article uses the Assets share method, combining financial Accounting, actuarial science and risk measure theory to study the institution arrangement of Hunan new rural endowment insurance based on security level and solvency. By means of predicting the Hunan financial expenditure between year2012-2022, this article investigate whether the new rural insurance meet the demand for peasant basic endowment rights or not. It also inspects the fiscal solvency at the specific circumstances, taking the best financial expenditure level into consideration; studying the risk degree of stability by the sensitive analysis. After that, based on these analytical methods, this article will give several feasible reform schemes and pick out the best scheme by the criterion of solvency.