Study On The Effect And Countermeasure Of Endowment Insurance Of Urban And Rural Residents In

All the time since, the land is basic guarantee of farmers pension, but in recent years the area of cultivated land in rural areas are falling, land pension functions have been weakened, which give the land as a traditional pension guarantee system brings direct threat. Construction is the rural old-age security system, is the priority among priorities of the new rural construction, is the objective requirement of the integration of urban and rural development. Chongqing as the first batch of the new agricultural insurance pilot city, the basic old-age insurance pilot experience not only can reflect the local actual situation, but also has the universality of the country. Taking Changshou District south of the street as an example, through the questionnaire survey data rich and some typical interview materials of the case, in theory, reveal "the deep-seated reasons of Ju Bao" policy is not perfect, in practice, to further improve and promote the implementation of "home insurance" system.The results of this study indicate that:1. The self-designed "endowment insurance of urban and rural residents in Chongqing City, the implementation of the status and Influencing Factors Participating Willingness and satisfaction questionnaire" can objectively reflect the Chongqing City Jiangnan street farmers.2. Investigation on the South Street farmer’s willingness to participate the analysis found:in the individual character differences, gender has no significant influence on the willingness to participate, age and willingness to participate positively related, culture degree, health status, personal income and willingness to participate was negatively correlated; in the family characteristic differences, the more children, family income is lower more willing to insurance compared to the town, far distance of common people and more recent insures will be more high; in the concept of the differences, the more worried about their own pension, more willing to accept social security, near the old life satisfaction also have an impact on the willingness to participate; understanding and satisfaction to the policy, associated with willingness to participate positively.3.On farmers willingness to participate and the case analysis found that:Generally speaking, farmers desire to participate to the insured, the ratio reached86.79%, while the number of actual insurance accounted for94.81%, some are not willing to the insured farmers are insured, learned through interviews, mainly is the effect of "bundling" insurance, but not by farmers voluntarily. Analysis from the insured, insurance, the system of motive grade expectations in many aspects, the conclusion. 4. The influence on farmers willingness to participate the empirical analysis of the factors found to have significant effects:age, culture degree, the number of labor, family net income, housing from the town of distance, policy understanding and satisfaction of farmers’ willingness to participate.5. According to the above research results and found the problem, this study proposes the corresponding improvement countermeasures.