Basic pension insurance for urban and rural residents of Jiangsu has its own characteristics and achieved remarkable results，whether it is a provincial or municipal policy. However，it is facing the challenges of aging of the insured and the gradual reduction of the proportion of individual payment. In the case of the saturation of the insurance rate，improving the level of individual payment is the only way to establish a virtuous cycle of the system. Some cities have made some explorations in improving the level of urban and rural pension insurance payment. Refining and improving these practices can explore a way out for Jiangsu to comprehensively improve the level of urban and rural pension insurance payment. Firstly，setting upthe “inverted L” type government payment subsidy structure，exploring the individual account incentive pension system，and improving the incentive effect of government subsidies from two aspects of improving the payment income and changing the income structure results. Secondly，improving and promoting the pledge interest free loan system to relieve the residents’ worries about raising the payment. Then，change the default payment level，enhance the residents’ trust，and guide the residents to increase the payment from the psychological level.