With the rapid growth of aging population in our country, the socialization of endowment insurance is particularly important. The main problems that endowment insurance socialization faces are: the large salary gap between civil service, public Institution and business company; a considerable distance of the endowment coverage from universal coverage; shortage of endowment insurance funds; the social insurance fund supervision lacking a unified regulatory system and the risk of insecurity, appreciation of social insurance funds facing difficulties; unreasonable regulations of household registration in transferring social insurance, the lag of designing social insurance top-level system. In the regard, this paper puts forward suggestions on the main issues of endowment insurance socialization. With the Rapid Growth of Aging Population in Our Country, The Socialization Of Endowment Insurance Is Particularly Important. According to the fifth census, the population aged 60 in 2000 accounted for 10% of the total population, which in accordance with international standards reveals that China has turned to the aging society in 2000, while the sixth census in 2010 shows that the population aged 60 took the percentage of 13.26%. According to the report from Xinhua News Agency, by the end of 2014 there had been over 21242 elderly population aged 60, which was 15.5% of the total population, and 24 million people aged 80 or older, 23 million low-income elderly. Taking account of the rate that In China annually there is 3 percent of the total population stepping into the rank of the elderly, the aging peak is upcoming in 10 to 20 years. By the mid-century, there will be an old person in every three people; aging growth will be a rapidly growing trend. Compared with Western countries, China has short time of aging, only in a few decades, featured by aging before getting rich, while Western countries has slow rate of aging, characterized by being rich first and then aging. Under the underdeveloped condition of China's economy, how can we cope with the aging peak is an urgent problem to be solved. The Main Issues in Endowment Insurance Socialization The Pension Gap between Civil Servants, Public Institutions and Enterprises Employees’ Retirement Dual Pension Is Too Large. Since 1951 China has established employee retirement system for the civil service, institutions and enterprise employees retirement benefits, which should be the same. In fact, now our country implement the two double-track lines, which means enterprise employees receive social insurance after retirement, but civil servants and employees of public institutions receive state pension; enterprise employees receive a retirement pension which is 40% to 60% of service revenues, while the state finance civil servants, public institutions receive the insurance of pension which is 80% to 90% of the service revenues; for a long time enterprise employees have paid pension insurance, but civil servants and public institutions employees never pay pension insurance; pension paid by the state financial enterprises and enterprise employees to issue civil servants, public institutions employee pensions; not only retired enterprise employees and civil servants, public institutions employees retirement benefits far and, indeed, to create value for the country's front-line employees 2nd Annual International Conference on Social Science and Contemporary Humanity Development (SSCHD 2016) © 2016. The authors Published by Atlantis Press 12 are civil servants, public institutions of exploitation of workers, which is one of the root causes of social conflicts triggered. A Considerable Distance of the Endowment Coverage from Universal Coverage Since the reform and opening up, the State Council has attached great importance to the establishment of the pension insurance system. After entering the new century, the basic shape of the system to achieve a combination of account basic pension insurance system formed; in 2009 and 2011, a new farmers’ and citizen insurances respectively got piloted, achieving full coverage of the two system in 2012 s, the formation of urban and rural old-age insurance system; by the end of 2013, the country's total number of insured people is 820 million, of which 322 million people are urban workers, and 498 million people are rural residents , with the population of receiving pension is 218 million, and the basic pension coverage is 79.7% ; our country in a short time built up a pension insurance scheme. Despite achievements, there is still a great distance from the full coverage; there are currently more than 200 million drifted away from our pension system, which includes more than 200 million farmers and urban unemployed population, small enterprises workers. In 2013 they participated in the basic pension insurance, but 36043 people cannot afford the cost and fail to continue. This population is the highest in recent years. To achieve universal insurance, efforts are still needed. Shortage of Endowment Insurance Funds According to official statistics from the Social Security Ministry, China's social funds from both total revenue and total expenditure afterwards, or from the accessible income afterwards, have no gaps. In 2013 Endowment Insurance data shows that employee pension insurance total revenue of nearly 2.25 trillion yuan, 1.84 trillion yuan spending, current balance is more than 4,000 billion yuan. Pension overall level is not high, it is difficult to adjust between the province and the province. If calculated by province, in 2013 there are 19 provincial pension fund income over expenditure, balance of payments gap totaled 170.2 billion yuan, the country afterwards there is no gap, there are gaps in provincial afterwards. December 23, 2013, by the Academy of Social Sciences, "China's national balance sheet" discussion group issued "China National Balance Sheet 2013", estimates and forecasts of the 2010-2050 years pension payments situation. The results show that, if it continues to enforce existing pension system to a nationwide basic pension, in 2023 income will go beyond expenditure, making a financing gap. According to the Chinese Academy of Social Sciences, "China Pension Development Report 2015" released in Beijing. Reports said at the end of 2014, personal accounts of urban basic pension insurance have accumulated to 4.0974 trillion yuan, while urban basic pension insurance fund accumulated to over 3.18 trillion yuan. That is to say , even if all surplus fund of urban basic pension insurance are used to fill personal account, there still be close to 1 trillion empty account, and unbalance between income over expenditure in 23 provinces. The Risk of Insecurity in Managing the Social Insurance Fund And Difficulties In Appreciation of Social Insurance Funds China's current social insurance fund is not managed by unified management agencies, which is decentralized. Excessive layers of management lead to inefficient management; Secondly, so far China has no unified legal system of social insurance funds management, leading to a illegal basis for social insurance funds; management of social security funds brings chaos, as well management of social security funds brings about unsafe risks; on behalf of the law to the government social security funds misappropriation case in recent years have occurred; management of social security funds in relation to retired workers living and standard of living conditions, relations to social stability; the current social security funds in capital markets and inflation under imperfect conditions, increasing the value of social security funds facing dilemma: on the one hand the social security funds to buy government bonds and bank deposits, inflation will only make social security funds devalued; another On the one hand the social security funds into the capital market, low safety factor, bear the investment risk of failure. Our current basic pension surplus is only 2.4 trillion to buy government bonds and bank deposits, the rate of return is lower than inflation in the