my country is 60 years old and above.，As of June 1, 2006，The total population of the elderly 60 and above in my country is 146.57 million people，accounts for about 21%of the global elderly population，Living in the world first。Among them, 38.56 million elderly people in the city，accounting for 26.3%，108.01 million elderly people in the countryside，accounting for 73.7%; the elderly population over 80 years old is 16.19 million。Forecast，to 2020，China's elderly population will reach 248 million，7.2%of the total population。Fast growth rate of aging，The average annual growth rate is as high as 3.2%，5 times the growth rate of nearly total population。Social pension guarantee for establishing an informal employment，For the improvement of my country's social security system、Challenges to deal with population aging，It has important significance。

The lowest pension system bet365 live casino games for residents who set up urban and rural inclusive，It is the basic way to ensure that the basic life needs of the elderly in the elderly in the elderly in the elderly。Chinese citizens at 65 years old，You can get the minimum pension payment。Old man who receives the lowest pension，Can't apply for a minimum living security fund。Disposal objects for low guarantee funds，limited to other non -aged poverty groups。Under normal circumstances，I no longer enjoy social assistance。

Experience Digesty，Simple management structure of universal enjoyment，Low transaction cost，Can resist randomness、​​Disadvantages such as corruption and fraud。Actually，At present, the basic pension of the new agricultural insurance paid by the central government，Basically, it is Pu enjoyed the nature，To maintain continuity with central policies and conducive to urban and rural connections，The minimum pension system of non -formal employment personnel should be implemented with a general enjoyment system。The minimum pension of informal employment should be based on the bet365 best casino games measurement of the basic living needs of the local elderly，Pay in the form of currency，Adjust the price every year。

The main financing source of the minimum pension is paid by the central government and provincial financial transfer。The transfer payment amount of the Central Finance is the "Guiding Opinions of the State Council on the Pilot on the Pilot of New Rural Social Pension Insurance" per person 660 yuan per person，Among them, the eastern region is 330 yuan。The difference between the minimum pension and the central financial payment amount from the provincial fiscal level。At the same time，It can be considered that some income of the sale of state -owned assets and the reduction of state -owned shares to be converted into the lowest pension in rural areas。Another，Also strive for international donations。

The minimum pension is centralized and unified by the social security department。Application from individuals，Village、Street and social security agencies confirmed to benefit。The distribution of pension income，It can be passed through the rural credit cooperatives for the social security Bet365 lotto review department、Local Commercial Banks and Post Office，Putting funds from the minimum pension account directly to the beneficiary。

Take compulsory measures，Establish a lifelong -endowment insurance personal account for each informal employment。Among the non -formal employees，Many people have the ability to pay，But the endowment insurance system is not added for various reasons。This situation is normal，Study on Behavior Economics，When individuals are difficult to make decisions，Usually no behavior。For the end of endowment insurance，When an individual cannot determine whether the participation can bring him greater benefits、Can it be better than choosing other savings methods，tend to not participate in insurance; some young groups value more important now，Unwilling to consider the future of decades later。In this case，It is necessary to take hard measures to promote them to participate in endowment insurance。

Social Pension Insurance Personal Account Fund for multi -channel raising unconventional employees。First，Provide tax discounts，bet365 live casino games Encourage the active payment of non -regular employees who are capable of participating in insurance。For the pension insurance premium for personal payment，To avoid personal income tax，But there is the highest limit。Pension insurance premiums paid by enterprises for informal employees，Exempted corporate income tax。2，Unclear employment relationship、Self -employed person who is unstable or low income，It should be raised multiple channels to raise personal account funds。This aspect，It can imitate the fund raising method of France's insurance system for agricultural non -industrial personnel，Subsidies from the state，Other public social insurance departments transfer payment，Special taxes of special taxes, etc.，Personal accounts for supplementing unconventional employees in many aspects。Personal account funds for low -income groups among non -regular employment personnel are mainly supplemented by external funds，Personal payment only accounts for about 1/3 of the ratio。Uniformly collected the unified management of the provincial labor security bet365 best casino games department for centralized management，Special fund，Investment and operation in accordance with regulations。third，Implement more flexible payment、Withdrawal system。Allows to pay the fee irregularly，Some account funds spent in advance when individuals fall into severe capital dilemma。Fourth，Provide a more convenient way to handle the pension guarantee business for non -formal employees。

(Author Unit: School of Economics and Management of Zhejiang Normal University)