Design Of Incentive Mechanism For Basic Endowment Insurance Of Urban And Rural Residents

The basic old-age insurance system of urban and rural residents is a Huimin system,perfecting the basic old-age insurance incentive mechanism for urban and rural residents,can better improve the urban and rural residents to increase the residents' awareness of the basic old-age insurance for urban and rural residents and encourage residents to choose high-grade Payment.At present,the participation rate of urban and rural residents is generally higher,but the payment standard is concentrated in the low grade.This paper mainly aims at the problem,and analyzes the incentive mechanism of the basic old-age insurance of urban and rural residents.Taking Xinchang County of Zhejiang Province as an example,Questionnaire survey,literature research and other research methods,in-depth analysis of Xinchang County urban and rural residents basic pension insurance incentive mechanism implementation effect.First of all,through the reference literature reading,collation,analysis,understanding of the current urban and rural residents pension insurance incentive mechanism construction.Secondly,in-depth investigation,the Xinchang County residents as the main object of investigation,design questionnaires,issued a total of 500 questionnaires,the questionnaire to recover,through the statistics,grasp the current residents of Xinchang County,the insured situation.Finally,according to the survey results and learn from the domestic and foreign social pension insurance incentive system,put forward targeted recommendations.In order to better improve the Xinchang County urban and rural residents pension insurance incentive mechanism construction and development.In the process of writing the thesis,the main research contents include the following six aspects:First,introduce the background,significance,and research status at home and abroad;Secondly,elaborates the definition and theoretical basis of the basic old-age insurance of urban and rural residents;Thirdly,the paper reviews the development of the basic old-age insurance system for urban and rural residents in China,introduces the current situation of the basic old-age insurance of urban and rural residents in Xinchang County.From the result of insured,the majority of the residents choose the lowest payment;Fourth,the use of questionnaire survey,statistical data related to the results,to explore the impact of pension insurance incentive system development factors.The survey data show that different gender,age,income,occupation,household registration and policy understanding of different degrees,insured situation is also different;Fifthly,the paper introduces the domestic and foreign pension incentive system,the supplementary pension insurance in Germany,the competitive old-age insurance in Chile and the subsidized old-age insurance mechanism in Pinghu of Zhejiang Province all have some reference for the basic old-age insurance of Xinchang County.Sixth,to explore the Xinchang County urban and rural residents pension insurance incentive system policy recommendations,from the individual factors and policy factors,to find incentives to improve,in order to better stimulate the Xinchang County residents to buy old-age insurance will.This paper puts forward the following six Suggestions:increase government financial input and collective allowance,calculate fixed number of year of the age and payment,the establishment of"more pay,more long pay more" incentive mechanism,fiscal incentives for financial incentives,adjust the structure to enhance the level of residents' pension,the rational use of fiscal funds,improve the managing mode of endowment insurance.