Studing On Basic Pension Of New Rural Endowment Insurance System

With the improvement of our economy, the rising of people’s living standard and the progress of medical technology, the average length of life in our country gradually extends. Combining with the implementation of One-child Policy, these factors lead to the continuous rise of the proportion of aging population. According to the data of the sixth nationwide population census, the proportion of people whose age was over60was about13%. It reached the standard of international regulation of an aging society. More than56%of them lived in the countryside. Furthmore, the proportion of aging population in the countryside was larger than that in the city. This illustrates that the degree of aging in the coutryside is larger than that in the city. So the rural areas are more urgent than city to establish corresponding social endowment insurance system to solve the problems of aging. In order to solve the rural endowment problems, the government has been actively exploring the endowment insurance system that is suitable for rural economic in China since1986. Due to the low level of economic development and the the system design, the old rural endowment insurance system couldn’t solve the rural endowment problems. Finally, the government decided to close down. On the basis of summarizing the lessons in the old rural endowment insurance system, our country began to implement the new rural endowment insurance system on September1st,2009. Having the government subsidies is the main characteristic of the new rural endowment insurance system comparing with the old rural endowment insurance system. New rural social endowment insurance system is another important policy that is beneficial to farmers after the policy of abolishing the agriculture tax, the implementation of direct agricultural subsidy and the new rural cooperative medical insurance system. The new rural endowment insurance system not only improves the farmers’enthusiasm of participating but also reduces the farmers’endowment burden. The government subsidies in the new rural social endouwment insurance system includes import subsidies and export subsidies. Export subsidies is refers to the establishment of basic pension accounts. Basic pension is the non-contributory state pension that has nothing to do with how much the premium that famers pay.You can achieve it if you meet the conditions. The establishment of the basic pension accounts not only embodies the welfare, sharing of the rural social endouwment insurance but also embodies the government’s emphasis on rural old man’s basic right to live. In addition, it is helpful to narrow the income gap between urban and rural areas.This article analyzes the receiving conditions, the receiving standards and the financing mechanisms of the basic pension of the new rural social endouwment insurance on the basic of collecting a large number of policy information, data, and the related paper. It tries to find the disadvantages in the operation process of basic pension and puts forward some suggestions of perfecting the basic pension, in order to give the reference for policy makers.This article is divided into four parts:The first part is introduction. It describes the background and significance of the topic, some domestic and international literature review of this topic, the research methods, the structure arrangement of this article and the innovation and lack of this article.The second part is the introduction of three related concepts and three basic theories about basic pension. First, it introduces the concepts of the social endowment insurance system, the new rural social endouwment insurance and the basic pension to clear the research object. Then it introduces the social justice theory, the consumption theory and the suitability of basic pension theory to analyze the importance and necessity of the basic pension and the factors considerring when we set the standards of basic pension.The third part is the analysis of the present situation of the basic pension. It analyzes the disadvantages of the receiving conditions, the receiving standards and the financing mechanisms of the basic pension of the new rural social endouwment insurance.The fourth part is suggestions of perfecting the basic pension. It put forward the corresponding solutions to solve the problem that arises in the basic pension.