Research On Social Endowment Insurance Of Urban And Rural Residents

Residents of urban and rural social endowment insurance system starting in2009on atrial basis, This will be a new type of rural social endowment insurance system for urbanresidents and endowment insurance system into a system approach, it is a great innovationof our country’s social security system. Urban and rural residents of social endowmentinsurance system broke the binary pattern of urban and rural segmentation. This system isbeneficial to all the people enjoy the achievement of reform and development of thenew.But with the development of urbanization and the acceleration of population aging,the sustainable development of the social endowment insurance system of urban and ruralresidents are faced with challenges. Shenzhou City is a county-level city in HebeiHengshui area, as the fourth installment of urban and rural residents in Hebei socialpension insurance pilot counties, This system implemented at the local status quo can notonly reflect the actual local situation, and extracted from the practical experience of thecountry has a universality.This paper based on the marxist social security theory and the new classicaleconomics theory of market failure, adopts the method of combining theoretical andempirical, comprehensive, in-depth on the current situation of urban and rural socialpension insurance system implemented in Shenzhou city and the existing problems fromthree aspects.First of all, the paper analyzes the specialized the implementation of thesystem of social endowment insurance status quo of urban and rural residents, and foundthose residents choose to expend the grade is low, lack of the participation enthusiasm isnot high in young adults and collective allowance, etc.; Second, by adopting thecombination of qualitative and quantitative methods, using the data obtained from the inthe specialized field research, deeply analyzes the influence factors impede the healthydevelopment of the system; Finally, in view of the above questions put forward to perfectthe system of social endowment insurance of urban and rural residents advice: strengthenpropaganda; Improve the system of more pay more; Improve the level of pension security;To strengthen the construction of grass-roots work team.This paper has two main conclusions: First, urban and rural residents social pension insurance system in Shenzhou City, although coverage has been achieved within the county,but there have been problems hinder the healthy development of the system to carry out theprocess in real; Second, the Senate Paul resident ’s personal factors as well as the systemitself is imperfect choice will lead to insured residents pay grade is low, the insured is notpositive, and the security level is not high.There are two innovations in this paper: first, the current research on urban and ruralsocial pension insurance system, is studied from the insured’s willingness to participate, toinsured residents participate in behavior of insurance is less, this paper takes Shenzhou cityto participate in the social pension insurance system of urban and rural residents residentsas the research object, for them to participate in insurance after the conduct of analysis ofurban and rural residents, he existence of social endowment insurance system in Shenzhoucity problems. Second, the selection of spss19.0method to analyze low pay grade selectionfactors impact on residents, makes the results more objective and true.