Research On The Continuation Of Basic Pension Insurance For Urban And Rural Residents And Employees

Under the impact of "silver tide",the status of the endowment insurance system in our country is becoming more and more important.There are two important components of the old-age insurance system in our country,including the basic old-age insurance for urban and rural residents and the basic old-age insurance for workers.Although their respective establishment and development are important,how to promote the seamless convergence of the two systems and safeguard the interests o f the insured can not be ignored.At present,the existing mode of urban and rural endowment insurance in our country makes the participants lose their original years of paying fees when they change from residents' basic old-age insurance to workers' basic old-age insurance.Under the standard of 15 years' contribution,a large part of the participants lose the opportunity to get the basic pension treatment of the workers,who can only continue to participate in the resident pension insurance.And the participants who are from basic old-age insurance to residents of the basic old-age insurance loss the overall social account pension.However,the transfer and convergence of these two systems of old-age insurance is a great harm to the interests of mobile insurance participants under the current convergence system.In view of the concrete situation of our country,on the basis of thorough analysis of the current urban and rural old-age insurance connection mode and combined with the domestic and foreign experience,this paper puts forward different connection modes for different cohesion conditions.That is to say,when the residents' basic old-age insurance is converted to the workers' basic old-age insurance,“the method of converting the number of years of calculation ” will be adopted.While the workers' basic old-age insurance is converted to residents' basic old-age insurance,the“piecewise calculation method” will be adopted.Under the current mode of connection in China,different transfer situations have different problems.In view of the non-transfer contribution years and the non-transfer overall account pension,the paper puts forward the method of converting the number of years of calculation and the piecewise calculation method respectively,which are reasonable to make up for the deficiency of the linking mode of urban and rural old-age insurance.Based on the design of the old-age insurance system in China and the experience at home and abroad,this paper puts forward the concrete implementation steps and calculation formulas of the two new modes of connection.The paper clearly and forcefully shows the damage of the existing cohesion mode to the interests of the insured and the difference between the new cohesion mode and the one put forward in this paper,which using a large number of date,through calculation and chart analysis,and comparing the method of converting the number of years of calculation and the and the piecewise calculation method in the existing cohesion system.At the same time,the data and charts are used to prove the reasonableness of the converted annual limit method and the piecewise calculation method.