Research On The Problems And Countermeasures Of Lanzhou "Harmonious Jincheng" Comprehensive People’s Livelihood Insurance Project From The Perspective Of Local Government’s Purchase Of Services

With the transformation of government functions,many local governments began to purchase public services.By purchasing services,the government can effectively provide better services for residents with the help of market mechanisms and social expertise,which is in line with the concept of streamlining administration and delegating power at this stage.However,in this process,there are also problems such as low efficiency,insufficient supervision and low social recognition.In order to bring more security to residents,Lanzhou City actively buys comprehensive livelihood insurance services for residents,the most typical of which is the "Harmonious Jincheng" comprehensive livelihood insurance project.This research uses questionnaire and interview methods to collect data,build a ternary analysis framework of "buyer receiver user" of government purchase services,and take "Harmonious Jincheng" as a case to analyze its shortcomings in operation,which is helpful to grasp the common problems of local governments’ purchase of public services in China.The study found that in the "Harmonious Jincheng" project of Lanzhou Minsheng Comprehensive Insurance,there are problems such as low compensation rate,insufficient security,imperfect purchase process,lack of effective monitoring and insufficient publicity.Although such problems are related to the objective policy and economic environment,they are also closely related to the insufficient participation,low emphasis and lack of interaction mechanism of the government,insurance companies and residents.Based on the experience and enlightenment of foreign governments in purchasing public services,this paper puts forward optimization suggestions for the "Harmonious Jincheng" project of Lanzhou comprehensive livelihood insurance: for the government,it is necessary to constantly improve the legislation to provide guarantee for the purchase;It is also necessary to establish a sound process mechanism to ensure the market-oriented and fair operation of public service purchase.At the same time,it is also necessary to constantly strengthen attention and enhance publicity.In terms of insurance companies,they should strengthen their product design ability,consciously accept supervision,and go deep into the masses for extensive publicity;At the public level,we should enhance our awareness of rights,actively use the power of supervision and strengthen various forms of publicity at the grass-roots level.Through the above measures,the comprehensive livelihood insurance can operate more sunshine and better benefit the society.At the same time,it can also provide some reference value for other public service purchase behaviors of the government.