| Endowment insurance which is an important part of the social security systemand the redistribution of the national income plays a significant role in solving thesurvival crisis of elderly residents. It is also the fundamental rights that the citizensshould be obtained at a certain stage of economic development. In order to guaranteethe basic livelihood of the rural elderly incapacitated residents, the rural socialendowment insurance system is established under the certain national laws andregulations. Rural endowment insurance system whether can meet the needs of therural elderly people mainly depends on the level of economic development andpayment, etc. If the level is too low, it cannot satisfy the basic life needs of the ruralelderly people; but the level is too high, it will increase the financial burden andnourish the lazy habits of the farmers which are not conducive to the development ofeconomy and society. Therefore, the moderate level of old-age insurance should notonly pay attention to the demand, but also consider the supply.This paper sort out the development of the rural social endowment insurance inour country and the difference between the traditional rural social endowmentinsurance and the new type of rural social endowment insurance which is based on theanalysis of relevant theories and literature at home and abroad. Thus, takingChongqing as an example, it puts forward the problems existing in the endowmentinsurance of rural residents and the factors affecting rural endowment insurance fromthe current situation of social endowment insurance system of urban and ruralresidents in Chongqing. It utilizes the establishment of the model about moderatelevel rural endowment insurance in a micro-macro perspective and measures out thelimit of the moderate level rural social endowment insurance in Chongqing. It isconcluded that the security level of the basic pension in Chongqing for rural elderly isnot high under microscopic view and the lack of urban and rural residents’ socialendowment insurance fund under the macroscopic view which based on the reality ofChongqing. At the same time, according to the analysis result that combined withmodel and quantitative and also the influencing factors of rural endowment insurance,the paper proposes the relevant countermeasures and suggestions of the improvementabout the rural endowment insurance in Chongqing which aimed to provide a certainreference value for the development of urban and rural residents’ social pensioninsurance at the current stage in China. |
