Research On The Improvement And Development Of Basic Old-age Insurance System For Urban And Rural Residents

To build urban and rural residents of the old-age security system is to take the city and rural residents as an organic whole,unified planning,unified deployment,unified system,to break the urban and rural old-age security split dual structure,the ultimate realization of old-age security urban and rural coordinated development,This is our country into the new development period of the party and the government's important concept.The Third Plenary Session of the 16 th CPC Central Committee clearly put forward the idea of "five co-ordination" and overall urban and rural development.The Sixth Plenary Session of the 16 th CPC Central Committee made a decision on "gradually establishing a social security system covering urban and rural residents" and "conditional local exploration and establishment of various forms of rural social endowment insurance system".The 17 th Party Congress has made it clear that it is necessary to speed up the establishment of a social security system covering urban and rural residents.The Third Plenary Session of the 17 th CPC Central Committee decided to establish a new rural social endowment insurance system in accordance with the requirements of individual contributions,collective subsidies and government subsidies.In 2009,the State Council issued the "Guidance on the pilot project of carrying out new rural social endowment insurance"(Guo Fa [2009] No.32)to start the new agricultural insurance pilot.In 2011,the State Council issued the Opinions on Carrying out the Implementation of the Social Endowment Insurance Pilot Project for Urban Residents(Guo Fa [2011] No.18)and the new agricultural insurance to start the urban insurance pilot.In 2012,the basic realization of the new agricultural insurance and urban security system of the two coverage,and its written into the party since the 18 major series of important documents.In 2014,the State Council issued "on the establishment of a unified urban and rural residents basic pension insurance system"(Guo Fa [2014] 8),formally decided to basically realize the new rural and urban residents social pension insurance system on the basis of full coverage,According to the law of these two systems will be implemented in the country to establish a unified urban and rural residents basic old-age insurance system,and put forward the "second five" at the end of the basic realization of the new rural insurance and urban security system merger and implementation,Old-age insurance system convergence,and family pension,social assistance,social welfare and other social security policies to complement the better protection of urban and rural residents living in the basic life.2015,in the country to achieve the basic urban and rural housing security system name,policy standards,management services,information systems "four reunification."Surprisingly,we are also clearly aware that the urban and rural housing security system due to the implementation of the system at least 60 years of age and above urban and rural residents do not have to pay directly to the basic pension and widely concerned about the community,questioned with the benefits of Chinese characteristics Of the system,the reason is that the community on the positioning of urban and rural housing system is also unclear,and this is also the urban and rural housing security system analysis of the reasons for the analysis.In addition,the urban and rural residents in the process of running the system,urban and rural residents of the system of trust,identity is not high,urban and rural housing security system "long pay more","more pay more","early pay more" Incentive efforts are not large,coupled with the lack of basic pension normal adjustment mechanism,and there is no general establishment of funeral subsidy system,it is difficult to encourage the majority of urban and rural residents voluntarily choose higher premium payment.In addition to the urban and rural residents of the "old farmer insurance" system is still lingering fear and the sense of dilapidated residents,the main pilot system design is the existence of more flaws,the lack of appeal to the residents,which is the urban and rural housing security system The reasons for the sustainable development of the study.