On The Legality Improvement Of Enterprise Pension Insurance Of Chinese

Endowment insurance is the focus of current everybody solicitude, is the important component of the system of social security, is the key content of social insurance. While carrying out socialist market economy and establishing modern enterprise system, enterprise must face market, accepts challenge. Enterprise may go bankrupt in market competition, is taken over, joint operation etc., live in retirement if still continuing to use the enterprise under planned economic system way, so the "old livelihood without problem" of staff will become a huge social problem, affect society surely stabilize, the healthy, fast development of restriction national economy.Our country makes via the successful experience of exploring and summarizing of 10 few years that refers to some foreign countries to carry out endowment insurance for a long period since carrying out labor system reform in 1986 the system of endowment insurance that has Chinese characteristic. Summarizing is: From basic establishment, meet the system requirement of socialist market economy, each suitable town kind of enterprise staff with individual worker, capital source much channel and guarantee way are multiple level , have overall society with individual household , right with duty relative should manage the system of endowment insurance of service socialization. The multiple level system of endowment insurance includes: Basic endowment insurance, enterprise supplementary endowment insurance with staff individual save endowment insurance. Basic endowment insurance is core, from national legislation nation-wide unification force to implement, apply to each kind of enterprise staff. In enterprise supplementary endowment insurance, determine treatment level and theway of granting according to the economic strength of enterprise, economic benefits are good and supplementary to embody the difference of different enterprise on economic condition. Is on the job work personal save endowment insurance aspect, individual attends voluntarily according to economic ability and different demand, country guides on policy, giving corresponding preference on save interest rate. This kind of system of endowment insurance that has Chinese characteristic, have mandatory help each other sex and share Jig sex in one body, practical guarantee ginseng is insured staff retires away rear basic life.Some reference foreign experience of this paper of carrying out the country of endowment insurance, analysis develops from the endowment insurance of our country process is begun analyze some problems of our country that present enterprise unifies the system of endowment insurance to exist in enforcement, discuss the necessary ness of our country of implementing the new enterprise system of endowment insurance, make the basic conception that takes off the modern enterprise system appearance adaptive system of endowment insurance with market economic condition, and make some specific policy measures of the perfect new enterprise system of endowment insurance that move forward. Especially in aged population tide come during, the fund of endowment insurance is reserved under insufficient condition, this paper thinks that can store through current state-owned enterprise asset the publication and capital that quantitative change shows special live in retirement the way of bond remedy to live in retirement fund is below.