Research On Fund-raising Issues Of Basic Endowment Insurance For Urban And Rural Residents

With the rapid development of China's economy,the social security service system has also become increasingly perfect.Urban and rural residents basic old-age insurance as an important part of it plays a crucial role in solving the basic life of urban and rural residents.However,development and problems coexist,and some real problems have become obstacles to the sustainable development of China's social security industry,indirectly affecting the basic living needs of residents.Therefore,we must focus on the basic endowment insurance system for urban and rural residents,and raising funds as the most critical part of urban and rural residents basic old-age insurance should be given more attention.This paper takes Yanjiao as the research object,and adopts literature research method,questionnaire survey method,normative analysis method,and qualitative and quantitative analysis method to evaluate the fundraising basis,fundraising scale,fund-raising main body,fund source,and the status quo of the fundraising development of basic old-age insurance for urban and rural residents in Yanjiao.The analysis of fundraising supervision was carried out.At the same time,a detailed study of the problems faced by fundraising of urban and rural residents basic old-age insurance was carried out.Among them,the issue of funding for urban and rural endowment insurance is specifically expressed in the following: the responsibilities of fund-raising principals are unclear;the fund-raising level of the fund is low;the collective subsidies are presented as “empty shells”;the fund's fund-raising supervision is insufficient;and people are skeptical about urban and rural residents basic old-age insurance.Finally,aiming at these problems,the main countermeasures for the optimization of social endowment insurance for urban and rural residents are put forward in order to seek to unify the top-level design of urban and rural residents basic old-age insurance and grass-roots practice,and to better protect the sustainable development path for the elderly basic life of urban and rural residents.This paper studies the financing mechanism of urban and rural residents basic old-age insurance from the aspects of principal responsibillty,incentive mechanism,collective sharing and institutionai cohesion.