Research And Countermeasures Of Rural Endowment Insurance—The Bayinnaoer City In Inner Mongolia As An Example

China’s rural population accounts for more than half of the total population, these people are because of various reasons have not been a comprehensive social old-age security. Bayinnaoer city of Inner Mongolia is China’s early new farming maintain a pilot areas, is also the area where the slow economic development. Although local rural endowment insurance after long time of development, but there are still many problems, has become a serious problem in the construction of a harmonious society. This article bayinnaoer city of Inner Mongolia rural endowment insurance, for example, to our country’s current analysis of existing problems and reasons of rural endowment insurance, at the same time to the situation of rural endowment insurance of some developed countries abroad are analyzed, and get enlightenment. On the basis of these studies, combining with the local reality, puts forward some countermeasures to solve. These strategies in Inner Mongolia bayinnaoer city plays an important role in the rural pension problems to further speed up the construction of harmonious society, local increase the happiness index of the local rural population, to promote the rapid development of material civilization and spiritual civilization. The nationwide comprehensive summarize the problems of rural endowment insurance, we will further improve the rural endowment insurance also has the reference significance.This paper will be divided into seven parts:the first part of the introduction introduced in this paper, the research background, research significance, research methods and research content, and the research at home and abroad are reviewed. The second part of the theoretical basis of rural endowment insurance, this paper mainly discusses the social security, social insurance, social endowment, three aspects of the concepts and theory, and lay a foundation for the further research of this paper. The third part of Inner Mongolia bayinnaoer city rural endowment insurance status quo analysis, first of all, a brief review of the development of the city’s rural endowment insurance, and then to the current status of the city’s rural social endowment insurance is analyzed, and analyses the traditional way of pension. The fourth part of Inner Mongolia bayinnaoer city problems and cause analysis of rural endowment insurance, the current main problems are:the single financing channel and protection is not strong; Narrow coverage, in all aid sex is not strong; System is not stable, sustainability is not strong; Fund operation risk big, value-added difficulties; Security system remains to be perfect, lack of legislation. The causes of these problems are six aspects:the dual economic structure between urban and rural background, the aging of the population, social background, ideas and understanding on the behind, old-age security fund investment, backward economic development constraints of fatigue and government fail to fulfill the responsibility. The fifth part the Revelations less foreign rural endowment insurance status quo, analysis of the three countries of Japan, Germany, Sweden, the endowment insurance status quo, get the enlightenment:one is the level of old-age security should be compatible with the national development level of productivity and the second is legislation is an important guarantee of endowment insurance system, three is to establish a multi-level old-age insurance system. Part6perfect bayinnaoer city of Inner Mongolia rural endowment insurance system of countermeasures, mainly including:break dual structure between urban and rural areas, improve the level of urbanization; Accelerate the construction of family endowment insurance mechanism, improve the ageing response capacity; Intensify propaganda and education, to improve the understanding of the endowment insurance of farmers and herdsmen; Increase government funding, improve the efficiency of fund management; Vigorously develop township enterprises, and improve the economic strength of rural endowment insurance; Accelerate the construction of a service-oriented government, improve the ability of fulfillment of the government in rural endowment insurance responsibilities. The seventh part summarizes the full text.