Research On Fund-raising Of Basic Pension Insurance Fund For Urban And Rural Residents In Shanxi Province

In 2014,the State Council issued the "Opinions of the State Council on Establishing a Unified Basic Endowment Insurance System for Urban and Rural Residents".The release of the "Opinions" has a turning point in the development of China's basic endowment insurance,marking the formal formation of basic endowment insurance for urban and rural residents..The report of the 19 th National Congress pointed out that it is necessary to complete the national pooling of pension insurance as soon as possible.Fund raising as the most crucial part of the overall pension insurance system for urban and rural residents should be given higher attention.As a pilot province for China's basic endowment insurance,Shanxi Province is of great significance.This paper studies the fundraising problem of the basic endowment insurance fund for urban and rural residents in Shanxi Province.It reads the large amount of literature to determine the writing direction,collects data through multiple channels,and conducts field research and interviews in some towns and villages in Wuyuan County,Shanxi Province.Relevant information is organized.In the writing of the thesis,using the literature analysis method,the field research method,drawing on the successful experience of other provinces,combined with the relevant theories of social security,the ideas closely focus on the three main bodies of financing: financial subsidies,collective subsidies and individual contributions are as follows: Content research.First,the status quo.The current situation of fundraising for basic old-age insurance funds of urban and rural residents in Shanxi Province mainly includes: policy,the financial subsidy policy has clear subsidy standards from the residents' payment office and the basic pension subsidy,and the financial main body responsibility of all levels of government is clear.The collective subsidy policy is mainly encouraged;the individual contribution policy stipulates the payment grade and the corresponding subsidy quota;in the basic situation of fund financing,the financial entities at all levels share the corresponding subsidy responsibility,the financial subsidy accounts for the largest proportion,and the collective subsidy accounts for the smallest proportion.Through research,it is found that individuals choose the lowest payment grade.Second,the problem analysis.The main problems in the financing of the basic endowment insurance fund for urban and rural residents in Shanxi Province are: the government,the transparency of supervision is insufficient,the proportion of financial subsidies at all levels of government is not clear,and the financial input needs to be strengthened;the collective subsidy is “empty”;Personal contribution levels are low.Third,the reasons for discussion.The reasons for the financing of the basic endowment insurance fund for urban and rural residents in Shanxi Province mainly include: the government,the relevant institutional system is still not perfect;the collective economic development is backward;on the individual side,the income level of some residents is low,and the basic endowment insurance system for urban and rural residents Insufficient understanding,in addition,the funding channels are also slightly single.Fourth,countermeasures and suggestions.In view of the problems and reasons for the financing of the basic endowment insurance fund for urban and rural residents in Shanxi Province,the following countermeasures are given: On the government side,it is necessary to clarify the proportion of responsibility sharing,increase financial subsidies,improve relevant systems and legal systems,and actively guide the development of collective economy.Individuals should enhance their understanding of the basic endowment insurance system for urban and rural residents and raise the level of contributions;at the same time,expand funding channels,such as cooperation with commercial pension insurance companies.Based on the analysis and research of the above contents,the final conclusion is drawn: economic construction is still the starting point for solving problems.The urban and rural collective economy is booming,the income of residents is increasing,the level of individual contributions will continue to increase,the financial subsidies will increase accordingly,and the fund raising work will be carried out.In order to carry out a smoother development,on the basis of this,we will seek the sustainable development path of the basic old-age insurance system for urban and rural residents,and then satisfy people's pursuit of a better life.