Research On The Impact Of Social Insurance On The Realization Of Rural Family Pension Function

Since the 21 st century,the construction of China’s rural social security system has entered a stage of rapid development.The old-age security of the rural elderly is no longer borne by the family alone,and social insurance has also played an important role.Whether the emergence of social insurance affects the family pension function in rural areas,whether to promote or inhibit,how to improve the rural pension security and other issues are worth further research.Based on the data of China Health and Retirement Longitudinal Study in 2018,this paper made a statistical analysis of the overall situation of social insurance and family pension for the elderly in rural areas.Logistic regression model was used to study the impact of social insurance on family economic support,family life care and family spiritual comfort of rural family pension,and conducted robustness test.Finally,the paper makes a comparative analysis of different living styles to explore whether there are differences in the impact of social insurance on rural family pension under the characteristics of different living styles.The empirical research shows that:First,endowment insurance and medical insurance significantly improve the family financial support for rural elderly,which shows that the impact on the elderly living independently is stronger than that of the elderly living together;Second,endowment insurance and medical insurance have no significant impact on rural family life care;Third,endowment insurance and medical insurance significantly improve the family spiritual comfort of the rural elderly,but there are differences in the impact of different living styles of the elderly.Through the analysis of research conclusions and further discussion,this paper puts forward the following suggestions:First of all,promote the joint development of social insurance and family pension,give play to their respective advantages for positive interaction;Secondly,improve the rural social insurance system,improve the rural social insurance treatment level;Third,establish an incentive social insurance payment mechanism to promote rural residents’ enthusiasm for social insurance payment;Fourth,give full play to the function of rural families to provide for the aged and pay more attention to the elderly living independently;Fifth,improve the old-age service system in rural areas and provide diversified old-age services.