Rural old-age insurance fund raising and management experience and explore Abstract: Has been around from the current pension reform in rural areas the situation, some places not only in the rural old-age insurance fund mobilization and management of several models on the formation, but also to carry out some new approaches, accumulated some referential experience. On the way to sum up these experiences and, for further promoting the reform of rural endowment insurance system and exploration of important practical significance. Keywords: rural endowment insurance; Fund; insurance card secured loans one of several rural pension funding model from all over the reform of the actual point of view, in the rural old-age Insurance Fund-raising on the three main forms: one is represented by Yantai, Major contribution to individual farmers, a government old-age insurance in rural areas to carry out only from policy advocacy and promotion of the role of subsidies to farmers are not insured. Qingdao is represented by an This model supports the credibility of the way to take administrative, financial subsidies to allow first Another is represented by the Suzhou government, characterized by high subsidies of social insurance and social welfare combined mode. Government before the implementation of rural endowment insurance system over 60 years of age male and female 55 years of age or older farmers and their unconditional subsidies. Normal implementation of the insured individual, collective and financial burden of 50%, respectively, payment policies and financial subsidies for the current period in place. These three models reflect the development of rural endowment insurance system in three different stages, reflecting the economic base and institutional relationship between mode selection. Yantai model reflects the Government's minimum obligation for the establishment of rural social endowment insurance system's good intentions, but it is neither difficult to mobilize the enthusiasm of farmers, but also difficult to reflect the fairness of the system, no doubt eventually eliminated. The Mode and Suzhou model represents the social endowment insurance system in rural China are two different stages of development model, Qingdao model is China's rural social endowment insurance system into the initial stage of the model is the establishment of Suzhou model based on a highly developed economy advanced stage of the model. Overall,Polo Shirts, I believe that the pension fund raising in the rural areas the choice of model must adhere to the Second, the rural pension funds to explore ways of raising one can explore through the transfer of rural land contract right to raise the rural old-age insurance funds. Transfer of rural land contract right of land use right transfer is, that adhere to the farmers on the land without changing the contract right, the concentration of land cultivated, the scale of operations, products in the contractor and the actual distribution between users,MBT schuhe Günstig, the farmers based on land contract rights are appropriate for the protection of basic living income. Through the use of land contract rights and the separation of the right to achieve a reasonable rural land use right transfer, both to provide basic living security for farmers, but also facilitated the scale of land management, both to improve the protection of land on the role of farmers, but also improve the economic efficiency of land. Conditions from a system perspective, the land use right in rural areas do not change the existing land system, in line with the central After the shareholding system, land ownership is still vested in the village collective economic organizations, contract rights belong to the contractors, the transfer of land use rights only. [1] in the specific operation, can be measured in science, strengthening the basis of the pilot will the transfer of land from the farmers, taking a fixed share of the farmers for the establishment of pension funds, such as new wind Shaoxing Ke Qiaozhen village cooperative land shares. 2001 establishment of land shares village cooperatives, to achieve 100% village land transfer, structural adjustment area of ​​60%. Cooperative shares into shares of contracted farmers, the village collective shares, cash dividends of three. Farmers to apply contractual rights and land under the household contract warrants shareholder contracting area, and the per capita levy of agricultural subsidies in accordance with the level of a year, every one hundred yuan a share. Joint-stock reform is completed, farmers share accounted for 8.2 percent, accounting for 31.18% of village collective, Zhejiang Xinfeng Thermal Power Corporation 60%. By such a way, a portion of the village collective has the power to create a pension fund of funds, so not only expanded the rural old-age insurance fund sources of financing, you can also maximize the economic benefits of the land. The second is to explore the China is a large agricultural country, most farmers and the food is the most stable source of income. But since 1996, after a bumper harvest of grain production, grain prices are low, decreasing revenues from grain farmers, the land around the abandoned serious, a direct result of the national food production, food prices and food security issues. Old-age insurance in rural areas to raise funds, and if we can take the form of food for security, in the main grain producing areas of the farmers directly instead of using food to raise cash to pay pension premiums,Glimpse of China Ping An Insurance Company from the network status and prospects of the insurance industry - , and further changes to the existing food subsidy policy, the original of the grain distribution transfer of part of the subsidy provided to the participants This form can not only stimulate the enthusiasm of farmers to grow grain, and expand sources of rural old-age insurance funds, but also through such a system innovation, subsidies to the farmers,abercrombie fitch French, the rural social endowment insurance system and the grain distribution system, food security reconstruction, rural grassroots organizations to combine the functions of conversion. The Government reserves only the original funds for food subsidies into fixed capital can not increase or even reduce the financial burden on the circumstances, the premium paid by farmers (turned over to the food), will be able to meet the needs of national food reserves to ensure that state food security, in order to build low-cost rural social endowment insurance system, and complete the grain circulation system of market-oriented reforms. Third, the population can explore ways of combining family planning policy. For a long time, China's family planning policy is a huge investment of funds, the majority of the city and achieved good results, but in rural areas, the results are not satisfactory. Pension system as a universal social pension system for the rural population have to Many rural people do not want the implementation of national family planning policy, in large part is based on Common in rural areas to establish if the pension insurance system, the community of the rural population into old age pension to provide a stable and reliable protection to the rural population growth will be close to promote family planning policy, family planning voluntarily. Therefore, the pension insurance system can be used as family planning radical measures to actively play a role, and ultimately the development of rural endowment insurance system for the implementation of family planning policy Such as endowment insurance system in rural areas, the use of state funding for family planning policy, for the one-child family planning to increase government subsidies for households, improve pension benefits, to enrich the sources of rural old-age insurance fund, and promote the sound development of rural endowment insurance system and rural planning The purpose of the Sustainable Development of fertility. In 2004, the Chinese government began to implement family planning in rural parts of the system for rewarding and supporting pilot projects: rural only one child or two girls, family planning, couples, each starting from the age of 60 enjoy an annual average of not less than 600 yuan assistance payments, until the death of so far. Reward will be provided by the central and local governments. Qingdao, Shandong, Chengyang in the establishment of rural social endowment insurance system has also implemented a family planning a priority for the implementation of preferential policies to require parents to son or daughter age pension, basic pension increased by 10% and 25% pension calculation under the existing standard, the only son and their parents receive a monthly basis more than 41 yuan, respectively; only daughter and her parents more than a month to receive 103 yuan, respectively. This policy change in the masses to further the tradition of raising children for old age Fertility, family planning to worry about the lifting played a very good boost. Third, the rural pension insurance fund management and institutional innovation rural pension fund management is currently dominated by local agencies responsible. However, to varying degrees in some places there are the following issues: on the one hand, the interest rate is not high because banks and investment channels, the fund is difficult to achieve and increase the value. On the other hand,Abercrombie outlet, the lack of legal protection, the Fund can not be guaranteed safety, misuse, diversion and illegal occupation of the Fund's circumstances have occurred, the normal operation of the Fund be seriously affected. A survey in Jiangsu Province, involving seven cities have lost the rural old-age insurance funds accounted for 35% of the total fund, the fund lost due to a local government embezzlement, misappropriation of pension insurance agency, investment and the illegal use of such violations. In addition, the high administrative costs of extraction also led to the loss of the fund. According to the survey, some local rural social endowment insurance premiums paid management fees accounted for more than 30%. The rural pension insurance gave the smooth progress of the work caused great problems, the rural pension insurance funds should be standardized and innovation.