Analysis on the Optimization of New Rural Social Endowment Insurance in Changsha,Zhuzhou and Xiangtan

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.

Sensitivity of Personal Account Accumulated Value of New Rural Social Pension Insurance to Variation of Uncertainties

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.

Constructing Index System for Evaluating Work Level in Rural Endowment Insurance

This paper used fuzzy math principles, analyzed different aspects of the work of the current rural endowment insurance and formed the indices to assess the work level of the rural endowment insurance. After selecting the indices of the work level scientificly, constructed the index system to evaluate the work level of the rural endowment insurance and the index system was expressed in the form of math equation. In this way, an objective standard used to evaluate the work level of rural endowment insurance was establised.

Investigation and Solutions of Rural Micro Insurance——A Case of Hebei Province

On the strength of investigation,the status quo of rural micro insurance of Hebei Province is introduced.The results show that it is characterized by the following features:rapid development;continuously increased experimental types and experimental areas;increasingly improved ability of serving the economic and social development;the combination of micro insurance and small loan has achieved success.Based on the efforts of analyzing the questionnaires,the following problems of the development of rural small loan are detected.For instance,the inadequate promotion on micro insurance;peasants' weak awareness of insurance;unclear understanding of the functions of micro insurance;unitary marketing channel of micro insurance;complex reasons of peasants' unwillingness to buy micro insurance and the poor service quality of insurance company.In view of these problems,countermeasures and suggestions are put forward,which include strengthening the promotion on micro insurance,improving peasants' awareness of insurance;expanding the marketing channel and innovating operation mode;innovating the products of micro insurance and encouraging technological innovation;improving the quality of service and establishing the excellent image of insurance company;strengthening the support from government and assisting peasants to insure.

Optimization of Actuarial Model for Individual Account of Rural Social Pension Insurance

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.

Research on Interactive Relationship between Agricultural Insurance and Rural Financial Development in Central and Western Regions

By selecting the panel data from 2001 to 2008 in central and western regions,I adopt the methods of covariance analysis test,Hausman test,panel unit root test and co-integration test to conduct empirical research on the interactive relationship between agricultural insurance and rural financial development in central and western regions.The results show that there is a long-term balanced and interactive causal relationship between agricultural insurance and rural financial development in central and western regions.The agricultural insurance in western regions is the cause of rural financial development,while such relationship in central regions is not tenable.There is an interactive promotion relationship between agricultural insurance and rural financial development efficiency in central regions,while the relationship between agricultural insurance and rural financial development efficiency in western regions is mutually inhibitive,but the rural financial efficiency in western regions promotes the development of agricultural insurance.Then corresponding suggestions are put forward in order to give full play to the role of mutual promotion between agricultural insurance and rural financial development as follows:reinforce the support degree for policy finance in central and western regions;increase the inputs of rural financial institutions in serving agriculture,countryside and farmers;expand the types and coverage of policy agricultural insurance.

Study on the improvement of the urban and rural residents endowment insurance system

Urban and rural endowment insurance system as a whole is to perfect the system of social security system in our country an important aspect, is to complete the task of the endowment insurance system covering both urban and rural residents need to move. However the urban and rural endowment insurance system as a whole cannot be simply understood as an unified system of urban and rural endowment insurance, simply cannot understand the endowment insurance system for urban and rural areas is the same as or standard is the same. In our country, because of the long-term existence and development of the urban and rural dual structure, the level of productivity, economic level, between urban and rural income levels there are significant differences in aspects, also directly caused a split between urban and rural social security system, including endowment insurance system. At present, our country＇s endowment insurance system takes the form of government subsidies combined with individual pay cost, which improve and perfect the endowment insurance system in China is in the form of the old-age insurance system in the direction of the long term hard work. On the one hand, government should continue to improve the system of town worker is basic endowment insurance, at the same time into the peasant workers＇ endowment insurance system, integrating the endowment insurance system for urban and rural worker; Through further, on the other hand, the new farming maintain is a new type of rural social endowment insurance system and “city ju bao”, urban social endowment insurance system integration, promote urban and rural residents endowment insurance system for better implementation.

Analysis on the Causes of the Plight of Chinese Rural Migrant Workers＇ Endowment Insurance

At present, Chinese society is from traditional society to modern society in transition to accelerate, in the social, political, and economic structure, great changes have taken place; due to strong liquidity, migrant workers＇ groups in social security, are still in the stage of development, and there are still a lot of problems, especially the problem of endowment insurance. Although local governments develop the old-age insurance of migrant workers with their own characteristics, and have their respective advantages, but the effect is not ideal, as follows： ＂one low and one high＂, namely the migrant workers＇ participation rate was low and the insurance of migrant workers was ＂high rate of surrender＂. The reason is both within the Chinese social transformation factors, and external economic globalization competition; both obiectively, government policy implementation is not in place, and subjectively, migrant workers lack insured willing.

Literature review of the basic medical insurance of urban and rural integration

To set up the nation＇s covering medical insurance syslem and to the realization of the basic medical insurance of urban and rural integration, is the inevitable trend in the development of China＇s medical insurance reform, as well as it is also a key step. In recent years, the state promulgated a series of policies in promoting urban and rural medical insurance and many cities took the lead to reform form the medical insurance pattern with local characteristics. All of these are helpful for our country to realize the integration and providing valuable experience. The target of the article is to maintain the public cause of medical and health, to solve the problem of high cost of urban and rural residents to see a doctor. As well as to realize the objections of disease pro^ection, convenience, cure spends less.

Comparative Analysis on Policy Realization of Old and New Rural Social Endowment Insurance System

Based on the perspective of"political potential"and"incentive mechanism",this paper compares the different effects of the old rural social endowment insurance system and the new rural social endowment insurance system,so as to explain the policy realization degree of the old and new rural social endowment insurance system.According to the analysis,the new rural social endowment insurance system has greatly improved the implementation of policies,the implementation of policies,the overall planning ability between departments,and the enthusiasm of individual farmers to participate in the insurance.Compared with the old rural social endowment insurance system,the policy realization ability of the new rural social endowment insurance system has been significantly enhanced,and the effect of the policy realization has been significantly improved.

长期照护保险对农村家庭消费水平的影响——基于CHARLS数据的实证分析

基于预防性储蓄等理论,运用双重差分法,依据中国健康与养老追踪调查(CHARLS)2011—2018年四期面板数据,考量长期照护保险政策对农村家庭消费水平的影响效应。结果显示,长期照护保险使得农村家庭消费水平总体提高了5.2%,这种消费促进效应突出地体现在食品消费、日用品消费、通信消费中,对文化娱乐消费和衣着消费影响不明显。异质性分析显示,非独生子女、收入高以及过去一年内有住院经历的农村家庭受长期照护保险政策的影响程度更大。机制分析表明,预防性储蓄、居民健康和代际经济支持是长期照护保险影响农村家庭消费的重要途径。鉴于此,应通过扩大城乡试点范围、建立多元筹资渠道、构建服务供给体系等方式,推动长期照护保险实现城乡全覆盖。

乡村振兴战略下中国农业收入保险创新发展研究

在乡村振兴战略和粮食安全战略背景下,为深化农业供给侧结构性改革赋能我国“三农”产业结构升级,亟待加快构建农业收入保险制度体系,以实现农业强国目标。本文探讨了乡村振兴战略下创新发展我国农业收入保险的紧迫性和必要性,分析了我国农业收入保险试点中遇到的困难和不足,并借鉴美国、日本两国农业收入保险的制度安排和经营管理经验,提出了乡村振兴战略下创新发展中国农业收入保险的政策建议。

农村医疗保险的减贫效应研究——基于CFPS 2018的实证分析

基于中国家庭追踪调查2018年(CFPS 2018)的数据,以相对贫困线作为贫困标准,采用二元Logistic模型实证评估农村医疗保险制度的减贫效应及其异质性。整体样本回归结果表明,农村医疗保险减贫效应显著,在相对贫困线标准下降低了43.0%的贫困发生率。异质性分析结果表明,农村医疗保险减贫效应在年龄、性别方面存在差异:在年龄方面,农村医疗保险对于中老年人的减贫效应更为显著;在性别方面,农村医疗保险对于女性的减贫效应总体高于男性。为了充分发挥农村居民医疗保险减贫的制度效能,建议:优化医疗保险内部制度设计,强化经济绩效;下沉优质医疗卫生资源,提高健康绩效;建立长效机制,提高医疗保险减贫效应精准性。

城乡居民医保整合与农村相对贫困治理的准自然实验研究

推进基本公共服务均等化、防范农村相对贫困是巩固拓展脱贫攻坚成果、促进城乡共同富裕的内在要求。论文基于2013年和2018年中国健康与养老追踪调查数据以及2013年和2019年中国家庭金融调查数据,运用双重差分倾向得分匹配模型,实证检验城乡居民医保整合对农村相对贫困脆弱性的影响。研究发现,城乡居民医保整合显著降低了农村相对贫困脆弱性。这种影响在低收入群体和受大病冲击群体中更加显著,但慢性病患者受到的影响并不显著,且城乡居民医保整合的减贫防贫效应随着脆弱性标准提高呈现下降趋势。机制检验表明,医疗费用支出、健康、劳动参与和家庭资产积累是重要的作用渠道。在此基础上,论文从动态认定相对贫困人口、促进低收入家庭应保尽保、提高农村医保实际保障水平和开展减贫绩效评估等方面提出推进农村相对贫困长效治理的政策建议。

金融素养对农村家庭商业保险参与的影响研究——基于CHFS数据的实证

金融素养是个体具有的一种金融能力,对金融决策行为产生重要影响。文章基于中国家庭金融调查(CHFS2019)数据,利用Probit模型和Tobit模型,实证分析金融素养对农村家庭商业保险参与行为和参与深度的影响。研究表明:金融素养会显著促进农村家庭商业保险参与行为,对农村家庭商业保险参与深度有显著促进作用,对农村高收入家庭商业保险参与促进作用更加明显;家庭收入和风险态度在金融素养对农村家庭商业保险参与影响中存在中介效应;家庭总资产、户主受教育程度和年龄会显著提升农村家庭商业保险参与。因此,文章提出加强农村金融知识普及教育,提升农村居民金融素养和金融能力;积极发展农村商业保险,提高抵御风险能力;全面推进乡村振兴,拓宽农民增收致富渠道等建议。

城乡居民基本养老保险的制度优化研究

目前,我国城乡居民养老保险制度进入“从有到好”的新阶段,制度的优化成为关键问题。城乡居民养老保险制度作为“保基本”的社会保险制度,当前面临的主要问题表现在:城乡居民养老保险的待遇水平低、农村老龄人口基数大、管理层级低,公平性和可持续性发展问题凸显。为此,从保险待遇、保险结构和经办服务三个方面提出六条优化措施:提高城乡居民参保的最低缴费档次标准;设立城乡居民基本养老保险待遇的增长机制;引入集体补助促进保险缴费结构优化;引导灵活就业人员、失地农民等劳动年龄段城乡居民参加企业职工基本养老保险;探索城乡居民基本养老保险参保者转为企业职工基本养老保险参保者的分流途径和方法;探索提高城乡居民养老保险的管理层级。

农村普惠保险服务乡村振兴的成效与未来路径

随着2020年我国脱贫攻坚战取得胜利,“三农”工作重心已全面转移至乡村振兴,2024年中央一号文件指出要锚定建设农业强国目标,推进乡村全面振兴。乡村振兴,金融先行,农村普惠保险在政府政策性支持下通过市场化运作,可为农业、农民、农村提供合理有效的风险保障。基于农村普惠保险服务乡村振兴的机制分析,通过走访调研江苏省4家保险公司,分别从服务产业兴旺、生态宜居、乡风文明、治理有效、生活富裕共5个方面凝练了农村普惠保险的具体创新举措。在此基础上,测度江苏省13个市的乡村振兴水平发现,各市的乡村振兴水平都稳步提升且差距明显缩小。进一步利用系统GMM回归方法检验发现,农村普惠保险发展对江苏省乡村振兴的整体影响显著为正,但对5个维度的具体影响不一,其中对产业兴旺、生态宜居的影响最为明显,对其余3个维度的影响还需进一步加强。在此基础上,提出农村普惠保险服务好江苏省乡村振兴的5条未来路径:控制农业生产风险稳定农民收入、缓解农村产业融资约束助力产业升级、提升农民生活保障服务乡村民生、设计绿色保险产品和机制实现绿色生态发展、参与农村治理提升乡风文明。

农村社会养老保险对农户多维相对贫困的影响研究

农村社会养老保险对于提升家庭内生发展能力,缓解农户多维相对贫困具有重要意义。基于可行能力理论构建多维相对贫困指数,利用2014—2018年三期中国家庭追踪调查数据库,探究农村社会养老保险对农户多维相对贫困的政策效果及作用机制。结果表明,农村社会养老保险能够通过促进老年人操持家务、隔代照顾和促进青年劳动力外出就业缓解家庭多维相对贫困状况。按照农村社会养老保险的边际效果特征,农户群体可被划分为有效型、抑制型与无效型三种,且在样本期间内抑制型农户减少,无效型农户增多。另外,农村社会养老保险仅对于多维相对贫困程度较高的农户有显著的作用效果,且农村社会养老保险能够阻断返贫以及抑制长期性贫困。因此,为有效缓解农户多维贫困,应推动农村产业发展并加强对农村劳动力的技能培训,完善农村社会养老保险制度的运作模式和提升养老金待遇水平,以及构建多元化农村社会保障制度。

城乡医保统筹对缩小城乡居民收入差距的有效性研究

缩小城乡居民收入差距是实现共同富裕的基础,基于我国城乡医保制度改革的视角,使用中国劳动力动态调查(CLDS)数据构造多期双重差分模型,评估医保统筹制度对城乡居民收入差距影响的政策效果。研究结果表明:医保统筹政策相对于“新农合”与“城居保”制度显著缩小了城乡居民的收入差距,政策针对农村的低学历、中低收入以及中老年群体产生更明显的效果。机制分析进一步证明统筹医保制度可以通过降低农村居民医疗支出负担、提升其健康水平等渠道缩小城乡居民收入差距。因此,推进医疗保险统筹改革,在制度设计上应该更有针对性地向农村居民群体倾斜,提升受益公平性,为迈向共同富裕提供制度性保障。