The integration of urban and rural old-age insurance refers to the integration of urban workers' old-age insurance system and urban and rural residents' old-age insurance system, and the establishment of a unified old-age insurance system to better protect the old-age rights and interests of urban and rural residents.

Reason for merger:

1. Adapting to the development of urbanization: With the advancement of urbanization, more and more rural people have moved to cities, and the original old-age insurance system is difficult to adapt to this change. Integration is conducive to improving the level of old-age security for urban and rural residents and promoting social equity.

2. Narrowing the gap between urban and rural areas: The integration of urban and rural old-age insurance is conducive to narrowing the gap between urban and rural old-age benefits, improving the level of old-age security for rural residents, and achieving a sense of security for the elderly.

3. Improve the use efficiency of pension funds: After the merger, pension funds can be raised, managed and used in a unified way, which can improve the use efficiency of funds and improve the level of old-age security.

Impact of the merger:

1. Improve the level of old-age security for urban and rural residents: After the merger, urban and rural residents will enjoy unified old-age benefits, which is conducive to improving the overall level of old-age security and improving people's livelihood.

2. Promote social equity: integration is conducive to eliminating the gap between urban and rural pension benefits, achieving social equity and improving people's living standards.

3. Optimize the allocation of resources: After the merger, the endowment insurance fund can be raised, managed and used in a unified way, optimize the allocation of resources and improve the efficiency of fund use.

4. Promote the development of urbanization: integration is conducive to adapting to the development of urbanization, improving the level of old-age security for rural residents, reducing the pressure on urban old-age care and promoting the development of urbanization.

In a word, the integration of urban and rural endowment insurance is an important measure to adapt to social development and improve the level of old-age security. Through the merger, we can unify the pension benefits of urban and rural residents, improve the level of old-age security, promote social equity, optimize the allocation of resources and improve people's living standards.