| In the endowment insurance system of our country,an apparent distinction that endowment insurance of urban and rural dweller differs from worker endowment insurance is to did not employ an unit to be its capture expends,whether capture expends,how capture expends,choose what class capture expends all depend on the wish of dweller oneself completely.Due to the great difference in the situation of residents,their cognition of endowment insurance is also very different,which leads to the uncertainty of the coverage of endowment insurance for urban and rural residents from the beginning.However,the coverage of old-age insurance for urban and rural residents is not wide enough to provide effective help for social members in the event of possible risks in the future,so the "safety net" function of old-age insurance cannot be played directly.At the same time,according to the insurance theory,only when the coverage rate is wide enough,the accumulation of insurance funds can be more substantial,make the protection of insurance strengthen.This paper take in cangzhou city residents endowment insurance,As an example,welfare economics theory,life cycle theory,the public service theory as the foundation,to analyze the current situation of the city residents endowment insurance coverage,and then adopt questionnaire method,study on the influencing factors of cangzhou city residents endowment insurance coverage,discusses the residents endowment insurance coverage expanded the necessary conditions,put forward the countermeasures to expand its coverage.The paper think that expanding the coverage of basic old-age insurance in urban areas and increasing the number of beneficiaries are the inevitable requirements for improving the basic old-age insurance system in China,the inherent requirements for realizing the social security goal of overall planning for urban and rural areas,and the effective measures to narrow the gap between urban and rural areas and the income gap.From the situation of Cangzhou city,the coverage are mainly influenced by social factors,economic factors,institutional factors and management factors.As for the social factors,the author maily analyze the emplyment structure and the population’s age.As for the economic factors,the author maily analyze the residents’ income gap and expected future income.As for the institutional factors,the author maily analyze the payment grade design,finance subsidy strength and the pension treatment level and the imperfect legal system.As for the management factors,the author mainly analyze fund maintenance and appreciation and government management and urban and rural residents to understand the level of policy.Therefore,it is necessary to take several measures to improve the coverage of old-age insurance for urban and rural residents: deepen the reform of old-age insurance system,increase residents’ income,improve relevant systems and strengthen the management of various aspects. |
