Analysis of the complete new rural social pension insurance amount of supply of financial resources文档格式.docx

Analysis of the complete new rural social pension insurance amount of supply of financial resources文档格式.docx

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Analysisofthecompletenewruralsocialpensioninsuranceamountofsupplyoffinancialresources@#@AnalysisofthecompletenewruralsocialpensioninsuranceamountofsupplyoffinancialresourcesandStrategies@#@PaperNetwork:

@#@[Abstract]Atpresent,China’snewpilotruralsocialendowmentinsurancesystem,financialresourcesbasedsupplysidethereisalackofpensionprovision,theoveralllowlevelofprotection,standards-basedpensionadjustmentmechanismisimperfectandothermajorissues.Thekeytosolvingtheseproblemsarrangementsthroughthefinancialsystemasmuchaspossibletoestablishamorereasonableandstablesupplyoflong-termfinancialmechanismtograduallyincreasethelevelofruralsocialold-agesecurity,andultimatelytheurbanandruralsocialendowmentinsurancedocking.@#@[PaperKeywords]newtypeofruralsocialendowmentinsurance,basicpension,thepensionreplacementrate@#@Ruralsocialendowmentinsurancesystemfrom1986tostartapilot,thenwentthroughthepromotionphase（1993-1998）,stagnationphase（1999-2001）2002PartyCongressreportinareaswhereconditionspermittoexploretheestablishmentofruralendowmentinsurancesystem,beganaruralsocialendowmentinsurance,thestage,somedevelopedareasandsomeofthemoredevelopedregions,accordingtotheactualsituationintheregiontoestablishasocialinsurancesysteminruralareas,theStateCouncildecidedinJune200910%ofregionsinthenewruralold-ageinsurancepilotisexpectedtogeneralpracticeinthecountryin2020thenewruralold-ageinsurance.@#@Theuseofnewruralendowmentinsurance“basicpension+personalaccountmodel,thegovernmentmeettheconditionstoreceivefullpaymentofbasicpensioninsuredfarmers,whichthecentralgovernmentbythecentralandwesternregionsweregiventodeterminethebasisoffullpensionbenefits,ontheeasternregion,50%ofthesubsidy,localgovernmentsshouldpayfortheinsuredtogiveasubsidyofnotlessthanthestandard30yuanperpersonperyear,individualfarmersaccountbeforethepaymentstandardsseteachyear100,200,300yuan,400yuan,500yuanfivegrades,theinsuredpersontochoosethegradepay,paymoretoo,whichisamajorbenefitofagriculturalpolicy,farmerscanbebenefited,istheexistingruralmajorbreakthroughintheplightofold-ageinsurance,greatlyimprovesthefairnessofthesocialsecuritysystem,butatthesametime,improvethelevelofprotection,reflectingtheGovernment’sruralsocialendowmentinsuranceofresponsibilityingovernmentfundsonthesupplyside,therearealsoinadequateprotectionofthebasicpension,theoveralllowlevelofprotectionandstandards-basedpensionadjustmentmechanismisimperfectandsoon.@#@Inthispaper,thecurrentpilotofthenewruralold-ageinsuranceproblemsinthesupplyoffunds,socialsecurity,urbanandruralareasfromtheperspectiveofhowthearrangementsforthefinancialsystemasmuchaspossibletoestablishamorereasonableandstablesupplyoflong-termfundingmechanismtoensurethatthenewruralthefullestablishmentofthesocialpensionsystem,andlaterintheyearandgraduallyincreasethelevelofruralsocialold-agesecurity,andultimatelytheurbanandruralsocialendowmentinsurancedocking.@#@First,thecurrentpilotofthenewruralsocialold-agebasicpensioninsurancesysteminthesupplyofthemainproblems@#@（A）thebasisofinadequatepensionprovision,theoveralllowlevelofprotection.@#@Newruralsocialpensioninsurancebasedpensionsbyfinancialsubsidies,and55yuanperpersonpermonth,especiallyinbackwardareasfromthecurrentpointofview,thebasicpensionfortheelderlyinruralareasisnotasmallsourceofincome,butfromandthenationalaverageincomeleveloflong-termperspective,thelowlevelofprotection,butalsofromthereplacementrate-pensionpaymentsandtheratioofpercapitaincomepointofview,thebasicpensionbenefitlevelisstilllow.@#@2008China’sruralpercapitanetincomeof4760.6yuan,whilethenewruralbasicpensioninsuranceinthemonthly$55annual660yuan,thebasicpensionsubsidiespercapitanetincome,comparedtojust13.86%,withthecurrentbasicpensioninsuranceforurbanworkersinChina20%ofbasicpensionreplacementratecomparedtoagap,butwiththeeconomicdevelopment,increasetheincomeofruralresidents,willgraduallyreplacerateisstilllower.Fromthepersonalaccount,ifthecashbyruralhouseholdconsumptionexpenditure,in2008theaverageconsumptionexpenditureofruralresidents3661yuan,toparticipateinnewagriculturalinsuranceofruralresidentstochoosethegradepay,paymoretoo,intheselectionofindividualcontributionsThemosthigh-end500yuan,assumingpaymentof15years,withoutconsideringtheinterestfactor,thecountry’stotalpensionreplacementrate