Research On The Regulatory Problem Of Basic Endownment Insurance Fund For Urban And Rural Residents In J City

In 2014,the basic pension insurance system of the unified urban and rural residents was established.With the development of the basic pension insurance.The number of insureds and the accumulated amount of the fund increase rapidly,the management of this insurance fund has become the focus of public.Because of the large number of people insured.The fund of the basic pension insuance for urban and rural residents is very important.Its safety or not is related to the vital interests of each insured resident,the safety of the fund even affects the stability of society.We should strengthen regulatory of basic pension insurance for urban and rural residents.Safe and complete of the fund are the prerequisite for the normal operation of urban and rural residents’ basic endowment insurance system.However,in practice,there are still many risks of the fund management,especially in terms of regulatory regulations,regulatory systems,and regulatory team building.In some place there are problems of false claim and misappropriation of pension fund,so the supervision of the fund needs to be further improved.The research on endowment insurance funds at home and abroad is relatively macro.The focus is mostly the operation of insurance funds,value-added preservation,fund reform,and overall planning Etc.Fund supervision is minly aimde at social resurance and and endowment insurance,The research on the basic pension insurance for urban and rural residents are lesser.Different development levels,the insurance participation of basic pension insurance for urban and rural residents in various places is also different from the supervision of funds.The author uses research methods such as comparative research method,interview method and other research methods.On the basis of relevant theoretical analysis,taking J City as an example,indepth research on the regulatory form of the basic endowment insurance fund of urban and rural residents,and investigation and analysis of the basic urban and rural residents in the city.The regulation of the endowment insurance fund has diginto the main problems.And use government regulation theory,information asymmetry theory,and synergistic governance theory to indepth analysis of the reasons for regulatory problems.At the same time,on the basis of reference to advanced domestic and foreign experience,it put forward opinions and suggestions to improve the supervision of basic pension insurance fund urban and rural residents in J city.