Problems And Countermeasures In The Implementation Of The Basic Old-age Insurance For Urban And Rural Residents

As a traditional agricultural country,the issue of agriculture,rural areas and farmers has always been one of the core issues of the social development.With the break of the dual economic and social structure of urban and rural areas,the large-scale migration of young labor,the development of land commodification,the problem of rural aging,and the drastic changes of rural economy,society,and culture,which has produced a series of economic and social problems.The traditional rural elderly group that relies on the land-based pension model has been impacted.The rural social pension security situation is getting more and more serious.The establishment of a scientific rural social security system plays an important role in building a well-off society in an all-round way and has a profound impact on maintaining social stability in China.In 2014,the State Council promulgated the "Opinions on the Establishment of a Unified Basic Old-age Insurance System for Urban and Rural Residents",which combined the new rural insurance introduced in 2009 and the urban residential insurance introduced in 2011 to form a unified urban and rural residents basic old-age insurance system.At present,how is the basic old-age insurance system for urban and rural residents actually working? What are the problems and why? How to solve?Since 2012,Jiaocheng District,Ningde City has comprehensively launched the social pension insurance for urban residents,and was the first to integrate it into an urban and rural pension insurance system.The system has been unified,which is two years earlier than the introduction of national-level integration guidance.This article applies relevant theories to study the implementation of basic old-age insurance for urban and rural residents in Jiaocheng District,Ningde City.Through field surveys and statistical analysis,it is found that rural residents have problems in the insurance participation rate,renewal rate,and individual payment grade selection.Analysis shows:(1)The participation rate of the basic old-age insurance for urban and rural residents in Jiaocheng District of Ningde City fluctuates between 91.63%-96.39%,with an average level of about 93.0%.The participation of urban and rural residents needs to be further improved.Moreover,in the payment level,the urban and rural residents basically choose the lowest level for personal payment.The sample residents choose the lowest level of 200 yuan per year,accounting for 85.71%.Therefore,although the basic old-age insurance for urban and rural residents has been advocating for overpayment and long-term payment over the years,the level of insurance coverage chosen by the majority of insured personnel is still low.(2)In addition to the personal payment of urban and rural residents,the central,provincial,and county levels have become the main body of the basic old-age insurance for urban and rural residents investment,of which county-level financial investment accounts for 20%,and the remaining 80% is the central and provincial financial investment At the county level,there is pressure on financial expenditure for subsidies.The local collectives have not provided incentive subsidies for urban and rural residents' contributions.(3)The respondents' evaluation of the basic old-age insurance system for urban and rural residents.Regarding policy understanding,most of the survey respondents are quite familiar with the basic old-age insurance for urban and rural residents;regarding the satisfaction with the basic old-age insurance for urban and rural residents,it is found from the field survey that the satisfaction of urban and rural residents with the publicity of government departments and the service efficiency of managers Satisfaction with service attitude and smoothness of complaint channels are all high.Therefore,to further solve the problems of basic old-age insurance system for urban and rural residents,it is necessary to take measures to coordinate the development of urban and rural integration,accelerate the pace of rural revitalization,do a good job of expanding the area of??collection and payment,and encourage urban and rural residents to increase the level of payment.