Abstract: There have been great achievements since our nation’s newtype rural social endowment insurance began to launch its pilot project in 2009, but it still needs improving in certain respects. For instance, for those who have selected higher payment standards, they might be properly more encouraged to get a return according to a certain percentage of the local minimum payment subsidy instead of the current prescribed fixed amount. Some other suggestions are also put forward so as to improve the system of social endowment insurance in rural areas.