Rural Residents' Intention To Participate In The "Urban And Rural Basic Endowment Insurance" And It's Influence Factors

Social security is the guarantee of people's basic living,a basic system of adjustment of social income distribution.As an important part of social security,social insurance provides the basic guarantee for the old.However,With the degree of the ageing of the population increases greatly,"get old before it gets rich" and "have no social security before old age" have became the difficulties faced by a lot of people,and pension problem has become a national and social problems for urgent solution.As a developing country,China is also a big agricultural country with large population and the increasing pension,pension problems,especially the rural residents endowment problem has been the great concern of the whole society.But in the long-term urban-rural binary system development mode in China,the rural elderly have more aged problems than the urban elderly.The basic old-age insurance system(hereinafter referred to as the "urban and rural insurance")covers both urban and rural residents,this paper only studies related issues of the rural residents.Under the weakening of traditional way of family pension background,exploring rural residents' willing and influences of joining the "urban and rural insurance",to perfect the pension insurance system,to narrow the gap between urban and rural,to increase the insured rural residents,to promote the sustainable development of rural endowment insurance,and to make the rural residents a sense of security,play an important role.According to the ministry of human resources and social security's requirement of "universal coverage plan",a complete coverage of old-age insurance system is the main objective of the near future.This paper takes Lirang town of Liangping county ‘s rural residents' willing of joining the "urban and rural insurance" for example,studies the influencing factors,explore such as positive incentive like improving policies,to promote the pension insurance,provide suggestions for local government to promote "urban and rural insurance " system covers,and provide the reference to the development of rural endowment insurance.This paper has five parts.The first part is the introduction,which includes the research background,the research purpose and significance,research methods,literature review and so on.The second part includes the definition of related concepts and theories.The third part is the introduction to the basic old-age insurance system for urban and rural residents.The fourth part is Lirang town of Liangping Counties' empirical research,analysis factors affecting rural residents' willingness to attend insurance.Rural residents' willingness is affected by individual factors,family factors,policy factors,and so on.The fifth part is based on the previous description,put forward countermeasures and suggestions,such as the ways to improve the institutions,and to strengthe policy propaganda to promote sustainable development of urban and rural insurance.