Study On The Payment Level Of Urban And Rural Endowment Insurance

With China’s rapid entry into the population aging society and the improvement of modern medical care,life expectancy in China has increased significantly.Different countries and different type of societies pay more and more attention to the problem of lives of the aged people.This also shows that the insurance for the aged people play an increasingly important role in guarantying the lives of the elderly.The insurance for the aged people has also become an important topic of social security work.In order to solve the problem of the lives of the aged people in both urban and rural areas,Shanxi Province started to implement the basic endowment insurance for urban and rural residents in 2010,and also introduced the supplementary endowment insurance for urban and rural residents in 2021.Although great achievements have been made in the implementation process,a series of problems have also been found,such as the low level of participation and payment,the imperfect payment incentive mechanism and the low level of security.Under this background,this research is mainly based on social security theory,Maslow’s hierarchy of needs and KAP theory,and uses the methods of literature analysis,on-the-spot interview,questionnaire survey and expert consultation.On the basis of in-depth investigation and research in Xinghualing District,Taiyuan City,this paper comprehensively analyzes the current situation and influencing factors of the payment level of urban and rural endowment insurance.The influencing factors includes three aspects: the condition of the insured person,the policy and the administrative institution.In the end,this paper offers four constructive suggestions including changing the concept of the aged lives,strengthen the incentive role of the policy,strengthen the publicity of the policy and improve the management and service capacity.Hope to better promote the implementation of urban and rural endowment insurance.In this way,more and more residents will enjoy the dividends of this policy.