On the current situation, problems and Countermeasures of rural social endowment insurance in China

【Abstract】 our country has accelerated into the aging society， the elderly population in rural areas accounts for the majority of the elderly population， so ensuring the social stability of rural areas is related to the overall social stability and development of China， which requires the establishment and improvement of the rural social pension security system. If the rural pension security problem can not be solved well， it will inevitably affect the social stability.

【Key words】On the current situation; problems and Countermeasures; rural social endowment insurance

【作者簡介】劉金剛（1990-），男，漢族，山東青島人，青島大學，碩士，研究方向：社會保障。

1. The current situation and problems of rural residents pension in China

1.1 the aging population is increasing. The survey shows that by 2025， the proportion of the population over 65 years old will exceed 12% of the total population， which indicates that the age structure of our society has completely completed the transformation from the adult type to the elderly type; by 2050， the proportion of the population over 65 years old will increase from 12% to more than 20%， and the age structure of Chinas population High aging will be achieved.

1.2 low penetration rate， limited coverage， low insurance grade and poor guarantee level. At present， there is no legislation on rural endowment insurance in our country. The rural areas of our country encourage the qualified villagers to join the social endowment mechanism， but they do not publicize the farmers who are unconditionally insured， which brings about various reverse problems. The poor who really need insurance may not be able to participate in the insurance due to economic difficulties， while the relatively rich farmers actively participate in the insurance， which can not solve the worries of the elderly， but also increase the gap between the rich and the poor. By the end of 2017， urban and rural residents in many provinces across the country had participated in endowment insurance， with a fund accumulation of hundreds of millions of yuan， but the coverage rate was insufficient. 90% of the policyholders still choose the lowest level of personal insurance， 300 yuan. Although in the payment level， they can pay more insurance premiums according to their own economic conditions， ranging from 5001000200030004000 yuan， few farmers ask for help.

1.3 insufficient publicity. The lack of rural residents cognition of endowment insurance is closely related to the lack of propaganda. Due to the lack of innovation in the propaganda of rural grassroots cadres， residents know little about rural endowment insurance.

2. On the current rural social endowment insurance in China

2.1 The policy of opening up the second child in an all-round way can effectively alleviate the rapid growth trend of the aging population， because the total population has increased in a large amount in a short period of time and the total population of the elderly has grown slowly.

2.2 strengthen the legislation， improve the popularization rate and increase the coverage. In the process of legislation of rural social endowment insurance， we should not only consider the long-term needs of establishing a unified social security system in the whole country， but also consider the reality of the difference between urban and rural areas and the particularity of the content of rural social endowment insurance. We will vigorously develop the economy， raise the income of farmers， raise the level of insurance coverage， and strengthen the level of security. We will accelerate the adjustment of rural economic structure， continue to expand new ways for farmers to increase their incomes， and increase their familys operating income. We will establish a skills training system， improve the employment skills of farmers， and increase their wage income.

2.3 strengthen publicity. We should focus on the propaganda work of rural cadres， so that they can understand each other and take the lead in their actions. We should make full use of various media and carry out all-round publicity activities to make the purpose and significance of rural social endowment insurance deeply rooted in peoples hearts.

References：

[1]Zhou Jing. On the current situation， problems and Countermeasures of rural social endowment insurance in China[J]. 2018.