On the basis of the investigation on the status quo of pilot area of rural endowment insurance in Changsha,Zhuzhou and Xiangtan,farmers' demand on insuance in the new pilot area of rural endowment insurance is exp...On the basis of the investigation on the status quo of pilot area of rural endowment insurance in Changsha,Zhuzhou and Xiangtan,farmers' demand on insuance in the new pilot area of rural endowment insurance is expounded from two aspects:farmers' awareness on insurance is increasing gradually;farmers' ability on insuring is increasing.The growing demand of farmers on insuring and the conflicts between the supply of rural endowment insurance and the system construction are analyzed.The problems are inadequate input of funds,low level of social security;imperfect fund-collecting mechanism,serious vacancy;low level of fund management and operation,poor ability of inflation-proofing and appreciation;backward laws and regulations and instability of system.On the strength of the analysis above,the government should innovate and compound fund-collecting mechanism;establish "G-C-F" three-pillar model and set up "BSI" the third party custodian;accelerate the legislation of new rural pension system so as to push forward the optimization of new rural pension insurance system in Changsha,Zhuzhou and Xiangtan.展开更多
The personal account of new rural social pension insurance raises funds in the form of individual premium-paying,collectively pooled subsidy and government subsidy.The personal account accumulated value has a decisive...The personal account of new rural social pension insurance raises funds in the form of individual premium-paying,collectively pooled subsidy and government subsidy.The personal account accumulated value has a decisive influence on the payment level of personal account pension.The personal account accumulated value has a direct or indirect relationship with the income level of farmers,premium-paying level,the insured period,investment return rate of funds and other factors.Analysing the impact of infinitesimal variation of these factors on accumulated value of personal account pension,is of great significance to improving and consolidating personal account,and achieving sustainable development of new rural social pension insurance.展开更多
This paper firstly analyzes different payment methods of individual account and the pension replacement rate under the pension payment method.Results show that it will be more scientific and reasonable for the individ...This paper firstly analyzes different payment methods of individual account and the pension replacement rate under the pension payment method.Results show that it will be more scientific and reasonable for the individual account of new rural social pension insurance to adopt the actuarial model of payment according to proportion of income and periodic prestation at variable amount.The Guiding Opinions on New Rural Social Pension Insurance sets forth individual account should be paid at fixed amount,and the insured voluntarily selects payment level as per criteria set by the State.The monthly calculation and distribution amount of pension is the total amount of individual account divided by139.Therefore,it should start from continuation of policies and make adjustment of payment level in accordance with growth of per capita net income of rural residents.When condition permits,it is expected to realize transition to payment as per income proportion and periodic prestation at variable amount.展开更多
The paper first describes the characteristics of the new rural pension scheme and then analyzes some problems emergingin its implementation based on afield in Anhui province’s Dangtu County and Jiangsu province’s Ho...The paper first describes the characteristics of the new rural pension scheme and then analyzes some problems emergingin its implementation based on afield in Anhui province’s Dangtu County and Jiangsu province’s Hongze County inApril 2010.Unlike the urban pension system, the new rural pension scheme is of a voluntary nature, and unlike the oldrural pension scheme, the government subsidizes participants using fiscal revenue.However, in its implementation thereare some problems.The first involves the so-called "bundle scheme" that requires pensioners’ children to participate.Evidence from our field study shows that coverage is less than 80%, even with a "bundle scheme." On the country,the "bundle scheme" increases social costs and it should therefore be replaced with legal regulations.Next, the paperexplains why a majority of participants choose the minimum contribution level based on observations in the fieldstudy.This choice reflects the two-fold information asymmetry between the authority and rural residents.Based onthe field study, we suggest that the new rural pension authority listen to village cadres and farmers to increase farmers’awareness.展开更多
基金Supported by Projects of the Education Department of Hunan Province ([2010]No.244)
文摘On the basis of the investigation on the status quo of pilot area of rural endowment insurance in Changsha,Zhuzhou and Xiangtan,farmers' demand on insuance in the new pilot area of rural endowment insurance is expounded from two aspects:farmers' awareness on insurance is increasing gradually;farmers' ability on insuring is increasing.The growing demand of farmers on insuring and the conflicts between the supply of rural endowment insurance and the system construction are analyzed.The problems are inadequate input of funds,low level of social security;imperfect fund-collecting mechanism,serious vacancy;low level of fund management and operation,poor ability of inflation-proofing and appreciation;backward laws and regulations and instability of system.On the strength of the analysis above,the government should innovate and compound fund-collecting mechanism;establish "G-C-F" three-pillar model and set up "BSI" the third party custodian;accelerate the legislation of new rural pension system so as to push forward the optimization of new rural pension insurance system in Changsha,Zhuzhou and Xiangtan.
基金Supported by Scientific Research Project of Hunan Provincial Department of Education(11C1180)
文摘The personal account of new rural social pension insurance raises funds in the form of individual premium-paying,collectively pooled subsidy and government subsidy.The personal account accumulated value has a decisive influence on the payment level of personal account pension.The personal account accumulated value has a direct or indirect relationship with the income level of farmers,premium-paying level,the insured period,investment return rate of funds and other factors.Analysing the impact of infinitesimal variation of these factors on accumulated value of personal account pension,is of great significance to improving and consolidating personal account,and achieving sustainable development of new rural social pension insurance.
文摘This paper firstly analyzes different payment methods of individual account and the pension replacement rate under the pension payment method.Results show that it will be more scientific and reasonable for the individual account of new rural social pension insurance to adopt the actuarial model of payment according to proportion of income and periodic prestation at variable amount.The Guiding Opinions on New Rural Social Pension Insurance sets forth individual account should be paid at fixed amount,and the insured voluntarily selects payment level as per criteria set by the State.The monthly calculation and distribution amount of pension is the total amount of individual account divided by139.Therefore,it should start from continuation of policies and make adjustment of payment level in accordance with growth of per capita net income of rural residents.When condition permits,it is expected to realize transition to payment as per income proportion and periodic prestation at variable amount.
文摘The paper first describes the characteristics of the new rural pension scheme and then analyzes some problems emergingin its implementation based on afield in Anhui province’s Dangtu County and Jiangsu province’s Hongze County inApril 2010.Unlike the urban pension system, the new rural pension scheme is of a voluntary nature, and unlike the oldrural pension scheme, the government subsidizes participants using fiscal revenue.However, in its implementation thereare some problems.The first involves the so-called "bundle scheme" that requires pensioners’ children to participate.Evidence from our field study shows that coverage is less than 80%, even with a "bundle scheme." On the country,the "bundle scheme" increases social costs and it should therefore be replaced with legal regulations.Next, the paperexplains why a majority of participants choose the minimum contribution level based on observations in the fieldstudy.This choice reflects the two-fold information asymmetry between the authority and rural residents.Based onthe field study, we suggest that the new rural pension authority listen to village cadres and farmers to increase farmers’awareness.
