Study On The Operation Mechanism Of Urban And Rural Social Old-age Insurance In Linqu County

Urban and rural social old-age insurance is a system implemented by the new type ofrural social old-age insurance and urban social old-age insurance combination, which is animportant measure of our country urban and rural old-age insurance implementing the "widecoverage, the basic, multi-level, the basic principles of sustainable". The system is theguarantee for rural residents and urban non-employed esidents basic living when they are inold age and the establishment of the social security system has Chinese characteristics. Theestablishment and development of urban and rural residents social old-age insurance hascatered the demand of the social law and system development, so the coverage of the systemexpands rapidly, the number of the insured increases fast. The rapid development of thesystem has made great achievements, but there are still many shortcomings hindered thesystem go ahead further, which affect the protection effect of urban and rural social old-ageinsurance system and sustainable development.The integration of urban and rural social old-age insurance system development hasbecome the representative of the general trend of development, how to make a reasonableeffective connection scheme and related regulations, the effective cohesion of urban and ruralresidents old-age insurance and other systems, has become the further development of systemmust face and resolve the problem. Because the system is still in the pilot phase ofdevelopment in all places, so it is the time to find the advantages and disadvantages of theexisting system and put forward proposals and measures, based on the pilot situation aroundthe starting, the local actual situation of urban and rural residents old-age insurance, combinedwith the characteristics of regional economic, social, demographic factors. It can also improvethe operation efficiency of the old-age insurance system of the local urban and rural residents.The study also can provide support for theory and experience for the nationwide urban andrural social pension insurance system in order to standardize and unify the reference. It hasthe very important research meaning and value.This study takes Linqu County as an example, by means of theoretical analysis andempirical research method, analyses the establishing background and theoretical basis of theLinqu county urban and rural residents social old-age insurance system, the history of thedevelopment process, the concrete implementation scheme, and the analysis of existingproblems and reasons and so on, and resulted in the following conclusions:(1) The theoretical basis are the support of implementation the urban and rural residentssocial old-age insurance, wherein the main theoretical basis includes: welfare economics theory, which takes establish a social welfare as the goal. Under the guidance of the welfareeconomics theory, social welfare system developed from the original social relief system tothe development of the country hosted the social insurance system, and gradually cover allcitizens; life cycle hypothesis, in that everyone in the family is to arrange their consumptionaccording to the expected income of all life, and every family in every point on theconsumption and saving decisions are a reflection of the ideal distribution of the family wishsto achieve consumption in every stage of the life cycle, and the attempt to maximize theconsumption effect of life; income distribution theory, theory of income redistributionincluding liberalism theories of distributive justice of income redistribution theory, the equalopportunity principle of income redistribution theory and welfare economics of incomeredistribution theory.(2) Urban and rural social old-age insurance is a special system formed in the processwhich the rural social insurance transferring to the new rural old-age insurance, and fusionfrom the new rural old-age insurance and the urban residents old-age insurance, so the studyon the various system of domestic research achievement are quite rich. Research on the urbanand rural social pension insurance review is focused on the system design, the level offunding, the incentive mechanism; Research on integration of the urban and rural socialpension insurance review is focused on the integration of the theory, integration of thepractice exploration and integration facing obstacles.(3) Linqu county urban and rural residents old-age insurance developing process can bedivided into the stage of the old social old-age insurance development, the stage of urban andrural social old-age insurance respective development, the stage of urban and rural social old-age insurance integration of development.(4) The main content of operating mechanism of the old-age insurance of urban and ruralresidents of Linqu County is including the following aspects: urban and rural residents old-age insurance financing mechanism, urban and rural residents old-age insurance organizationand management mechanism, the old-age insurance fund management mechanism, urban andrural residents old-age insurance treatment payment mechanism and other several importantaspects.(5) The urban and rural social old-age insurance operation effect is mainly reflected inthe following aspects: through the analysis of participation in insurance and willingness toparticipate in, the study found that urban and rural residents has higher acceptance of the old-age insurance; by the financing and payment effect analysis, the study found that higheroperating efficiency of urban and rural residents of Linqu County social old-age insurance funds has founded; through analysis of the implementation of the system, the study found thatthe system has good security effect; by the sustainability of the system analysis, the studyfound that the funds and subsidies all has certain sustainability.(6) The urban and rural social old-age insurance problems in Linqu County mainlyincludes the following aspects: financing standard is low, which it is difficult to meet thebasic needs of life; financing structure is not reasonable; the supervision and management ofthe implementation is not in place; the value of the fund is weak; compensation mode isrelatively backward etc.(7) The reason of urban and rural social old-age insurance problems still existed in LinquCounty include the following aspects: defects in the system designing, including the incentivemechanism system has defects, the defects of the government subsidy mechanism is still existand reasonable convergence mechanism between the system and the system is serious lack;personnel quality does not reach the corresponding level, one is cognition of the system of theurban and rural participating group are relatively low, two is the lack of fund investmentprofessionals with skills and knowledge base; the low level of economic development, one isthe common people income level is low, the two is the development of the local collectiveeconomy is weak, and the three is the development of local economy has a big gap comparedwith other areas.(8) Measures of urban and rural social pension insurance further improvement shouldinclude the following aspects: further optimizing the design of the system; strengthening thepropaganda and service efficiency; optimize the financing structure; ensuring theaccumulation fund; ensuring the sustainability of all levels of government financial funding;accelerate the process of the legislative construction.