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1、 II ABSTRACT With the growth of the aging population in China, the weakening of the family support for the aged, the enlarging income gap between urban and rural residents, and the development of social endowment, extend

2、ing the coverage of insurance to guarantee the basic life of urban and rural residents is necessary. Endowment insurance is one of the current hot issues in our society. The 13th Five Year Plan referred to “establish a m

3、ore equitable and sustainable social security system“, “the implementation of the national insurance scheme“, which covers the whole people to build a pension system to social harmony and stability. With the establishmen

4、t and development of urban and rural residents endowment insurance system, the endowment insurance in our country has in system realized full coverage. The research has its theoretical significance and application value.

5、 In enhancing the expansion of old-age insurance both for urban and rural residents. The study of this paper has been done in the context of the growth of the aged population, the degradation of family endowment function

6、, the development of social endowment, and the worsening of residents' income gap between urban and rural areas. This paper analyzes the theory and practical significance by studying the basic endowment insurance cov

7、erage and the development of social endowment both at home and abroad, and defines all the social endowment insurance urban and rural residents endowment insurance concept, the concept of urban and rural residents endowm

8、ent insurance coverage and the implication of widening the coverage. This paper takes Shantou City’s urban and rural residents endowment insurance system as an example and studies its characteristics, and makes compariso

9、n to other cities urban and rural residents endowment insurance mode and summarizes the pros and cons of different patterns. Using empirical analysis method, sampling survey method, comparative method to Jinxi area of ur

10、ban and rural residents endowment insurance coverage for investigation and research, through a large number of detailed data and examples, this paper expounds the coverage of urban and rural residents endowment insurance

11、 system, and analyzes the factors affecting the expansion of urban and rural residents endowment insurance, and discusses the problems existed in the expanding of the coverage of urban and rural residents endowment insur

12、ance. This paper analyzes the feasibility of the expansion of old-age insurance coverage, from the perspectives of the perfection of legal system, the choice of the government public functions, the development of social

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