Research On The Optimization Of Basic Endowment Insurance System For Urban And Rural Residents In Tai’an City

The basic pension insurance system for urban and rural residents is an important measure to coordinate urban and rural development and promote the equalization of basic public services.In 2014,Tai’an City established a unified basic pension insurance system for residents.After nearly 8 years of development,it has achieved good results.However,there are still some gaps in the current system in terms of meeting the elderly’s pension needs,adapting to the level of local economic and social development,and being sustainable.Therefore,by systematically analyzing the basic pension insurance system for residents in Tai’an,it provides theoretical basis and practical guidance for the relevant functional departments to carry out their work.This paper comprehensively uses field research,questionnaire survey,multiple orderly logistic regression and other methods to conduct in-depth research on the basic pension insurance system of Tai’an residents,and draws the following main conclusions:(1)Under the current situation of increasingly severe population aging,the continuous improvement of the basic old-age insurance system for urban and rural residents is of great significance for gradually narrowing the gap between urban and rural areas,maintaining the stability and happiness of residents’ life in old age,and maintaining social equity.(2)Tai’an City established a unified basic pension insurance system for residents in the city in 2014.Up to now,the main contents of its system include 12 grades of individual contributions ranging from 100-5000 yuan,government subsidies are divided into three grades of 30 yuan,60 yuan and 80 yuan,and the basic pension is 150 yuan.In general,the coverage of the system has been continuously expanded,the level of security has been improved,and the pension insurance fund has been operating well in general.(3)Through the investigation and analysis of the insurance participation,financing,benefits,fund operation management and handling services of the basic pension insurance system for residents in Tai’an City,the overall development of the basic pension insurance for residents in Tai’an City is good,but there is a pension guarantee.There are problems such as low level,lack of incentive mechanism for participating in insurance,weak strength of grass-roots handling agencies,and urgent need to improve the level of information services.(4)Through the questionnaire survey of rural residents,63.0% of the respondents were satisfied with the basic pension insurance of residents in Tai’an City.The main factors affecting satisfaction are self-assessed health status,the number of children,the level of worry about pension issues,the rationality of payment subsidies,the strength of policy publicity,and whether pensions guarantee life.(5)Based on the above analysis,it is proposed to optimize the residents of Tai’an City from the aspects of optimizing the incentive mechanism for participating in insurance,improving the appropriate adjustment mechanism for basic pensions,optimizing the payment method of pension insurance,strengthening the capacity building of grass-roots pension insurance services,and improving the level of informatization of elderly services.Countermeasures and suggestions for the basic old-age insurance system.