Research On The Guarantee Level Of Basic Endowment Insurance Of Urban And Rural Residents In Anhui Province

The full implementation of the urban and rural residents social endowment insurance system,which guarantee all the old folks are provided,have realizing the institutional fairness in aspect of providing for the aged.but whether it can really realize the goal of providing for the elderly.With the rapid development of China's economy and the accelerated transformation of social structure,the rapid aging of population and the miniaturization of family structure become more obvious.Put forward a new mission and requirements.The basic pension problem of urban and rural residents has been widely concerned by the party and government and the whole society.The 17 th National Congress of the Communist Party of China(CPC)clearly stated that it is necessary to realize the goal of "providing for the aged" for all the people and building up the old-age security system covering urban and rural residents.In recent years,in the urban areas,the negative effects of the family planning policy has become increasingly prominent,many elderly people because of home alone in the perennial study and work,become the "empty nesters",and in rural areas,more and more young people also choose to go out So the pension problem of urban and rural residents has received more and more attention.This paper analyzes the current situation of the basic endowment insurance of urban and rural residents in Anhui Province from the following five aspects: insured population,coverage,treatment level,insured resident payment grade and management ability.It is found that the current basic pension level is very low,Less than 10% of net income of farmers.The pension level matched the basic needs of the elderly is the key factors.Many troubles have been found in Anhui Province social endowment insurance system by analysing its operation,which the level of basic pension,the payment level of urban and rural residents and the level of future individual account pension is very low.It's difficult to complete the goal of providing for the elderly.Social endowment insurance replacement rate,which keeping around 50% was thought for healthy,must be designed scientifically to protect the system operating in regularly.To this end,it is necessary to increase the financial input of all levels of government,in accordance with the growth rate of net income of rural residents,and gradually raise the level of basic pension to ensure that the replacement rate of basic pension has increased;speed up institutional innovation,by increasing the payment level,financial incentives And other measures to increase the amount of individual contributors to pay the accumulation of funds to strengthen the centralized management and investmentoperations to improve the overall fund rate of return to protect the accumulation of personal accounts to achieve the preservation and appreciation,the only way to gradually raise the level of Anhui urban and rural residents pension security,In order to achieve a sense of security.This paper is divided into five parts.The first chapter mainly explains the background,significance and research methods of this paper.The author points out the shortcomings and possible innovations in the research process based on the classification and review of relevant research results at home and abroad.The second part mainly discusses the bottom line fairness theory,the bounded rationality hypothesis and the social security moderate level theory,they are the theoretical basis of this article.The bottom line fairness theory and the social security moderate level theory must establish the urban and rural resident endowment insurance system,and must maintain the certain level,the limited rational hypothesis requests in the system must carry on the innovation.The third part mainly analyzes the current pattern and operation status of basic endowment insurance of urban and rural residents in Anhui Province,and draws the conclusion that the basic old-age insurance of urban and rural residents in Anhui Province is low.And the causes of the problem are analyzed concretely.The fourth part of the basic level of urban and rural residents in Anhui Province by the appropriate level of old-age insurance to determine the target of urban and rural basic pension replacement rate of a reasonable level,and improve the basic level of urban and rural residents to protect the level of security scenarios to simulate,Of the reform direction.The fifth part puts forward several policy suggestions on how to improve the basic endowment insurance level of urban and rural residents in Anhui Province.In order to improve the level of basic pension benefits,raise the level of residents' payment and raise the rate of fund accumulation,and than discussed in detail.