Research on How to Construct the Rural Centralism Self-service Retirement System
|Keywords||Old-age security providing style Focus on self-help-type pension|
Population aging is an inevitable trend as the world population develops; pension problem is also a worldwide problem. Security of the Aged in China, especially the problems of pension security in rural are prominent; However, in the past few decades, In China pension security building focused on city-towns, vast rural areas are separated from the hole pension security system, pension security of old people in rural areas are mainly rely on the supply outside the system. At present, rural families are become smaller, while the social pension insurance, pension institutions, the elderly care service has failed to meet the needs of the elderly. The phenomenon of no one to support the rural elderly would be more gradually. So, how to build a new rural old-age model, both meet the needs material and spiritual life and will not cause a great burden for the contrary? How to build its overall objectives, basic principles and implementation of specific measures? This will be a community with a theoretical value of more practical significance of the major issues.To compose this paper, I organized an investigation in XL County town; this investigation contains the following content: the living conditions of the elderly people, the pension willing of the elderly people and the status of pension institutions. Through this investigation, we found that rely on traditional family support is difficult to provide a happy old life for rural elderly. At the same time, we also found that rural older persons have a very strong family values, They do not easily leave home, leaving children .While the poor condition of rural nursing home, home bed construction is far from meeting the needs of older persons, resulting in entirely too difficult to rely on institutions for the aged. Therefore, in the situation of the social pension insurance has not yet fully implemented the traditional pension model unable to support the case, to development the model focused on self-help type pension, to, Use its own resources, to play the role of government guidance and support, to development the courtyard economy, to achieve nursing homes support themselves. It’s helpful for ease pressure on the rural old-age, for "old before becoming rich" in China.Under the premise of Western theories and old age subculture, as well as family pension theory, on the base of home and abroad successful model, building a new rural endowment model - of the rural concentrated self Endowment, It is a voluntary retirement services that rural elderly collaborate and mutual assisted, ranging between families pension mold and the Social Security mold. To develop this new type of pension model, we need to continuously improve the external conditions, to improve the rural new cooperative medical care and the minimum living guarantee system, establish a new rural social pension insurance, speeding up the development of rural economy as the necessary supporting measures, so as to protect the new pension model, and to ensure that the elderly can have a happy lives.