The most important and prominent problem of the old-age security in China is the rural old-age security. There are many disadvantages in the existing rural endowment insurance system in China, which have seriously affected the development of rural economy and society in China. It is urgent to improve the legal system of rural social endowment insurance. This paper puts forward the basic framework of China's rural social endowment insurance legal system from the legal system level, with a view to promoting the perfection of China's rural endowment insurance system. The development of urban endowment insurance in China is relatively mature, and the mode of combining social pooling with individual accounts is implemented. Fund raising is mainly carried out in the form of state financial allocation, part of unit burden and part of individual burden. However, China's rural old-age social insurance has developed slowly, and it still adopts the financing mode of "individual contributions as the main part, collective subsidies and state support as the supplement". Especially in some economically underdeveloped rural areas, social security can only meet the basic needs of farmers through traditional ways such as social relief and five guarantees, and there is no incentive to invest in rural old-age insurance. Therefore, looking at the current situation of rural social security in China, there are also many problems in rural endowment insurance. Significance: It is not only an important policy to benefit farmers, but also an important step to promote social fairness and justice, break the dual structure of urban and rural areas and gradually realize the equalization of basic public services. At the same time, solving the rural endowment insurance also plays an important role in the security and stability of the country. The specific significance is as follows: First, in the current context of coping with the financial crisis, it sends a signal to hundreds of millions of farmers that the state will establish a minimum standard basic pension for them to make them feel safe. Farmers dare to consume without worries, which will undoubtedly play a powerful and lasting role in opening up rural markets and expanding domestic consumption demand. Second, from the perspective of the economic and social development of the whole country, the establishment of the new rural endowment insurance system will realize the institutional equality of urban and rural residents in social endowment insurance. With the development of economy and the enhancement of national strength, the gap between urban and rural residents in this respect can be gradually narrowed or even eventually eliminated, which is undoubtedly an important basic project to change the dual structure of urban and rural areas and gradually realize the equalization of basic public services. It also reflects the overall planning of national policies. Third, from the current new situation in rural areas, the establishment of a new rural endowment insurance system is conducive to resolving various contradictions in rural society. First of all, it will greatly improve the economic self-reliance of the rural elderly, thus improving their quality of life and enhancing their self-confidence in life; Secondly, it reduces the financial burden of children, avoids family conflicts caused by economic interests to a certain extent, and is conducive to the formation of an atmosphere of respecting the elderly and loving the young and a more harmonious family relationship; Thirdly, it will effectively solve the dilemma that some rural collective organizations have no money to do things, so that they can concentrate their limited financial resources to better provide services for the elderly, thus forming a civilized rural atmosphere and harmonious relations between cadres and the masses in the neighborhood, which is conducive to solidly promoting the construction of a new socialist countryside.

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Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.