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 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 ...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.展开更多
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 exp...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.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
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 t...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.展开更多
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 endowm...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.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 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.
基金Supported by Hebei Research Projects on Soft Science(10457204D-19)
文摘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.
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.
文摘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.