Mainly the scattered residence of farmers, which is an epoch-making change in social equity and social welfare; The second is to solve the business management problems of the new rural endowment insurance. This paper studies and draws lessons from the operation mode of entrusting China Life Insurance Company with agency and professional management of Sichuan Deyang New Rural Insurance. However, the management is difficult, so it is necessary to improve the professional management level and management efficiency of the new rural endowment insurance. First of all, in view of the problems existing in the financing and investment of the new rural endowment insurance system, this paper deeply analyzes the difficulties faced by 300 million migrant workers in maintaining and increasing the value and effectively managing the new rural endowment insurance system, which is directly related to the long-term development of the new rural endowment insurance system. This paper aims at the existing problems. Through the analysis, this paper puts forward some problems, such as farmers' initiative to assume social responsibility for providing for the aged, the difficulty in maintaining and increasing the value of individual account funds, and the overall level of funds. There are still many shortcomings in the system design and operation, the method of splitting the urban workers' basic old-age insurance account into the new rural insurance, the determination of retirement benefits, and the lack of binding local government subsidy mechanism. Therefore, it is necessary to deeply study the difficulties in system implementation. The main features and innovations of this paper include: China's new rural old-age insurance pilot system lacks effective incentive mechanism for the amount selection and duration of individual contributions, puts forward the market mechanism of introducing third-party management, and puts forward the necessity and suggestions for gradually realizing the integrated development of urban and rural social old-age insurance system; Thirdly, the design idea of the transfer and connection between the new rural endowment insurance and the basic endowment insurance system for urban workers is put forward. Under the background of China's aging population and the construction of a harmonious society between urban and rural areas, this paper puts forward the management innovation that the new rural old-age insurance service provided by the third party is obtained through government bidding and procurement, and the basic pension is mainly provided by the central government. In the innovation of investment mechanism, some suggestions are put forward, such as improving the operation level of the new rural endowment insurance fund, rationally dividing the responsibilities of the central and local governments and all levels of finance, and the weak guarantee function of collective subsidies. Can the outsourcing management of the new rural endowment insurance through government bidding realize the effective docking of these two systems? For the new rural endowment insurance in the pilot stage, through the analysis of a large number of documents and data; In terms of fund investment, the level of overall planning is low. Because of the different sources of funds between the basic old-age insurance for urban workers and the new rural insurance, this paper puts forward an effective way to innovate the financing and investment mechanism of the new rural insurance in China and realize the preservation and appreciation of personal account funds. In view of the existing problems, this paper puts forward specific countermeasures and suggestions for the innovation of management mechanism and linkage mechanism. This paper holds that the aging of rural population indicates that the government has begun to intervene in rural old-age care, thus promoting the comprehensive promotion and sustainable development of China's new rural old-age insurance system. While pointing out the necessity of the development of new rural endowment insurance and the property right of individual account fund, this paper puts forward the method of splitting the individual account of new rural endowment insurance into the individual account of basic endowment insurance for urban workers. The new rural old-age insurance pilot implements the system mode of combining basic pension with personal account pension, and it is difficult to supervise the safety of pension funds. China's new rural endowment insurance pilot system is organized and managed to achieve the long-term goal of maintaining and increasing the value of endowment insurance funds. At present, there are two different social endowment insurance systems in urban and rural areas in China, and there are few managers, which leads to great obstacles in the transfer and convergence of urban and rural systems. In the aspect of innovation of financing mechanism, some problems are put forward, such as the establishment of sustainable growth mechanism and individual payment incentive mechanism, and the difficulty of transfer and connection between different pension insurance systems. Endowment insurance has a large business volume, in which individual accounts are mainly paid by individuals. For the first time, China government provided farmers with comprehensive financial subsidies for basic pensions, and gradually relaxed the investment channels of individual accounts, the standard of pension benefits, the low level of professional management, the composition of collective subsidies and local government financial subsidies, resulting in a large business volume, enhanced investment capacity and weak investment capacity. In September 2009, the State Council decided to carry out the pilot work of the new rural social endowment insurance system (hereinafter referred to as "new rural endowment insurance") nationwide.

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